--- title: What it Would Mean to Repeal Dodd-Frank (Part 2) description: Learn more about how Dodd-Frank could affect your real estate investment business in Part 2 of this series by Fund That Flip. Find out why some critics have attributed Dodd-Frank’s lending restrictions to hindering business, while most experts agree that it helped the market correct itself. image: https://learn.upright.us/hubfs/Screen%20Shot%202016-12-16%20at%2018.09.08.png --- [![Upright Real Estate Investment](https://learn.upright.us/hs-fs/hubfs/Upright_RGB_PrimaryLogo-2.png?width=175&height=42&name=Upright_RGB_PrimaryLogo-2.png "Upright Real Estate Investment")](https://upright.us/) [![Return Home >](https://no-cache.hubspot.com/cta/default/2129804/90add894-e0b2-4f0c-bc22-7c5b348dd1d7.png)](https://cta-redirect.hubspot.com/cta/redirect/2129804/90add894-e0b2-4f0c-bc22-7c5b348dd1d7) [Back to the Blog](https://learn.upright.us/real-estate-investing-blog) # What it Would Mean to Repeal Dodd-Frank (Part 2) May 19, 2017 | By [Matt Rodak, CEO and Founder](https://learn.upright.us/real-estate-investing-blog/author/matt-rodak) Loosening some of Dodd-Frank’s regulations seem to be the priority for the Trump administration. Though some critics have attributed Dodd-Frank’s lending restrictions to hindering business, most experts agree that it helped the market correct itself.   ![Dodd Frank Real Estate Pig Calculator](https://learn.upright.us/hs-fs/hubfs/AdobeStock_137605761.jpeg?width=653&height=435&name=AdobeStock_137605761.jpeg)   How has Dodd-Frank helped correct the market? According to [Jacob Inwald](https://www.brickunderground.com/buy/dodd-frank-changes-affecting-NYC-real-estate) of Legal Services NYC, the horror stories we hear about so many regulations being imposed on Wall Street are a misconception. In reality, banks and their balance sheets have been doing just fine. [Mark Zandi](https://www.brickunderground.com/buy/dodd-frank-changes-affecting-NYC-real-estate), an economist with Moody’s, argues that banks don’t actually want Dodd-Frank repealed since they have spent millions of dollars adapting to all these rules. He says, “There are parts of it they don’t like and they think are overboard, but to be honest, even the Obama administration wanted to make some changes to it, too.”  For homeowners, the creation of the Consumer Financial Protection Bureau (CFPB) has had the most direct impact. The organization is in charge of enforcing laws that govern the mortgage process.   What would loosening up restrictions mean for real estate consumers? Unless you’re a banker, it’s unlikely that changes to Dodd-Frank will have a huge impact on you. It won’t immediately become easier for borrowers to be approved. Some minor general effects may be evident. For example, regulators including the Federal Reserve may loosen up their rules on lending for multi-family housing units which could lead to a development boom in New York City. This may lead to a boom and a bust. One worry is that loosening Dodd-Frank rules will lead to more foreclosures. Inwald, who is in charge of foreclosure prevention for clients in Queens, Brooklyn, the Bronx, and Staten Island through Legal Services NYC said there were 34,000 new filings across the state in 2016 though people thought the real estate markets were recovering. He advocates that distressed homeowners and their advocates rely on the mortgage servicing rules administered by the CFPB. Some speculate that loosening of Dodd-Frank will make borrowing easier. [Miller Samuel’s Jonathan Miller](http://www.millersamuel.com/), an appraiser and market watcher said: “Theoretically, I think it will help ease credit by reducing over-regulated lending conditions. But it’s a fine line. The mortgage world needs a hybrid between the nominal regulations of the credit/housing bubble era and a reduction of excessive regulations today. Minor changes could be positive, providing access to more potential buyers who struggle with the highly strict, lending guidelines.   Summary? Many experts agree that Dodd-Frank has played a major role in helping the market correct itself. Market sentiment lends us to believe that a loosening of these restrictions could have a variety of both positive and not so positive effects.     Become a Lender and:  [![Start Investing](https://no-cache.hubspot.com/cta/default/2129804/96f394e8-dd8a-4360-9841-de6e85d3d04a.png)](https://cta-redirect.hubspot.com/cta/redirect/2129804/96f394e8-dd8a-4360-9841-de6e85d3d04a)   Need Capital for Your Flips? [![Get Funded ](https://no-cache.hubspot.com/cta/default/2129804/f0a761db-b262-485e-b182-33df7c4c7db3.png)](https://cta-redirect.hubspot.com/cta/redirect/2129804/f0a761db-b262-485e-b182-33df7c4c7db3)   - - - ### Returns up to 13% investing in real estate. Diversify your portfolio with short- or long-term investments, individual or pooled fund offerings, and hundreds of developers and project types throughout the U.S. [![Sign Up](https://no-cache.hubspot.com/cta/default/2129804/9beb5019-97e3-48ab-bc90-ee874cd213ac.png)](https://cta-redirect.hubspot.com/cta/redirect/2129804/9beb5019-97e3-48ab-bc90-ee874cd213ac) ### Loan commitments in about 24 hours, with pre-approval up to $5M to make winning bids. [![Apply Now](https://no-cache.hubspot.com/cta/default/2129804/3420ff91-259d-4238-ae5b-bda78b01cff5.png)](https://cta-redirect.hubspot.com/cta/redirect/2129804/3420ff91-259d-4238-ae5b-bda78b01cff5) [![](https://learn.upright.us/hubfs/Tariffs%20Image%202025v2.png)](https://learn.upright.us/real-estate-investing-blog/tariffs-and-real-estate-investing) April 04, 2025 ## [Tariffs and Real Estate Investing](https://learn.upright.us/real-estate-investing-blog/tariffs-and-real-estate-investing) by [Upright](https://learn.upright.us/real-estate-investing-blog/author/upright) [![](https://learn.upright.us/hubfs/RegionalBankSqueeze_MedCrop-sm.jpg)](https://learn.upright.us/real-estate-investing-blog/squeeze-on-regional-banks) May 06, 2024 ## [Squeeze on Regional Banks Puts Pressure on New Housing Construction](https://learn.upright.us/real-estate-investing-blog/squeeze-on-regional-banks) by [Doug Dvorak, VP, Capital Markets](https://learn.upright.us/real-estate-investing-blog/author/doug-dvorak) **[Upright](https://www.upright.us/)** **1300 E. 9th Street, Ste. 800, Cleveland, OH 44114 Real Estate Investment [info@upright.us](mailto:info@upright.us) | [646-895-6090](tel:6468956090) [![Instagram](https://learn.upright.us/hs-fs/hubfs/Email_2023/mdi_instagram.png?width=29&height=29&name=mdi_instagram.png)](https://www.instagram.com/buildwith_upright/)  [![Linkedin](https://learn.upright.us/hs-fs/hubfs/Email_2023/linkedin-icon.png?width=29&height=29&name=linkedin-icon.png)](https://www.linkedin.com/company/buildwithupright/)  [![Facebook](https://learn.upright.us/hs-fs/hubfs/Email_2023/fb-icon.png?width=29&height=29&name=fb-icon.png)](https://www.facebook.com/buildwithupright)  [![TikTok](https://learn.upright.us/hs-fs/hubfs/Email_2023/tik-icon.png?width=29&height=29&name=tik-icon.png)](https://www.tiktok.com/@buildwith_upright?lang=en)  [![X Twitter](https://learn.upright.us/hs-fs/hubfs/Email_2023/x-icon.png?width=29&height=29&name=x-icon.png)](https://twitter.com/build_Upright)  [![YouTube](https://learn.upright.us/hs-fs/hubfs/Email_2023/ytb-icon.png?width=29&height=29&name=ytb-icon.png)](https://www.youtube.com/@buildwithupright)  [![Events](https://learn.upright.us/hs-fs/hubfs/Email_2023/calendar-icon.png?width=29&height=29&name=calendar-icon.png)](https://www.upright.us/events)**   Past performance is not indicative of future performance. Investors should not rely on forward-looking statements because such statements are inherently uncertain and involve risks. No returns are guaranteed and these types of investments involve a high degree of risk.   Neither the Securities and Exchange Commission (SEC) nor any federal or state securities commission, or any other regulatory authority has recommended or approved of the investment or the accuracy or inaccuracy of any of the information or materials provided by or through the website. Direct and indirect purchase of real estate property involves significant risks, including, but not limited to risk related to sale of land, market and industry risks, and risks specific to a given property. Investments are not bank deposits, are not insured by the FDIC or by any other Federal Government Agency, are not guaranteed by Fund That Flip, Inc. dba Upright, and may lose value.   Fund That Flip, Inc. dba Upright does not make investment recommendations and this message should not be construed as such. This message is not an offer to sell or the solicitation of an offer to buy any security, which can only be made through official offering documents that contain important information about risks, fees, and expenses. Any investment information contained herein has been secured from sources Fund That Flip, Inc. dba Upright believes are reliable, but we make no representations or warranties as to the accuracy of such information and accept no liability therefor. We recommend that you consult with a financial advisor, attorney, accountant, and any other professional who can help you to understand and assess the risks associated with any investment opportunity. If and when Fund That Flip, Inc. dba Upright is able to make investment opportunities available, only accredited investors who submit required verification will be able to invest.     **© Fund That Flip, Inc. dba Upright, 2024  | [Privacy Policy](https://www.upright.us/legal?tab=privacy-policy) | [General](https://www.upright.us/legal?tab=terms)[Terms of Service](https://www.upright.us/legal?tab=terms) [|](https://www.fundthatflip.com/terms-of-service) [Investment Terms of Service](https://www.upright.us/legal?tab=investment-tos)**     ![](https://www.facebook.com/tr?id=1484345195216823&ev=PageView&noscript=1) ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Matt Rodak, CEO and Founder", "url" : "https://learn.upright.us/real-estate-investing-blog/author/matt-rodak" }, "dateModified" : "2022-10-28T15:43:00.498Z", "datePublished" : "2017-05-19T18:45:00.000Z", "headline" : "What it Would Mean to Repeal Dodd-Frank (Part 2)", "image" : [ "https://learn.upright.us/hubfs/Screen%20Shot%202016-12-16%20at%2018.09.08.png" ], "mainEntityOfPage" : { "@id" : "https://learn.upright.us/real-estate-investing-blog/dodd-frank-your-real-estate-investment-business-0", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://learn.upright.us/hubfs/Upright_RGB_PrimaryLogo-1.png" }, "name" : "Upright" } } ```