U.S. President Barack Obama (L) points to Senate Banking Committee Chairman Christopher Dodd (D-CT) (C) and House Financial Services Committee Chairman Barney Frank (D-MA) after signing the the financial reform bill into law during a ceremony at the Ronald Reagan Building and International Trade Center July 21, 2010 in Washington, DC. A sweeping expansion of federal financial regulation in the wake of the worst recession since the Great Depression, the bill will create a consumer protection agency, lay out a blueprint for disassembling financial entities considered "too big to fail," as well as many other reforms. (Photo by Chip Somodevilla/Getty Images)

The Daily Dig for Sunday, July 26

Happy belated birthday Dodd-Frank

What has been called Barack Obama’s most underrated achievement recently turned five. Mike Konczal charts its history.

Dodd-Frank a work in progress five years out

Roughly 60 percent of the rules required by regulators have been implemented, making Dodd-Frank a work in progress as it celebrates its fifth birthday, writes Robert Borosage.

New big bank capital requirements ‘a step in the right direction’

New big bank capital requirements have to be met with common equity, but they do not likely go far enough, Kevin Drum writes.

My Mama told me “You better shop around”

Smokey Robinson may have been writing about getting the best deal on a personal loan, Matthew Frankel writes.

Spain ripe for real estate crowdfunding

Now that Spanish real estate may have bottomed out, regular folk have a great opportunity to participate in Spanish real estate via crowdfunding, writes Ian Mount.

How Fintech is helping small business lending

Biz2Credit’s Rohit Arora knows a few things about using technology to improve small business lending. He shares some thoughts here.

Hoenig fights Congress on swaps-margins rules

Some members of Congress want to ease up on rules forcing banks to have collateral against internally used derivatives. Thomas Hoenig doesn’t like that idea. Silla Brush and Jesse Hamilton report.

Alternatives needed for TBTF

John Berlau writes only one new bank has hit the market in five years. Depends on your definition, but the reason may be because there are alternatives to banks that may be better than banks.

Read the article here.

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