More than a month ago, the 2,300-plus page Dodd-Frank Wall Street Reform and Consumer Protection Act was signed into law. It will be months, possibly years, before the full impact of the law is realized, not only in commercial real estate finance but also in other forms of business lending and credit, as well as consumer rights.

For example, the Federal Deposit Insurance Corp. is evaluating the different options to replace private credit ratings in its review of bank capital levels. Regulators have a year to review and replace this key metric. How it will affect banks’ lending at this point is anyone’s guess. In the more immediate term, the Federal Reserve is conducting a 90-day study to gauge the law’s impact on the market. That study is not quite at the half-way mark yet.

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