Title XII, known as the Improving Access to Mainstream Financial Institutions Act of 2010, offers incentives to encourage low- and middle-income people to participate in financial systems. The organizations authorized to implement these incentives are 501 (c) (3) and IRC 501 (a) tax-exempt organizations, federal insurance deposit agencies, municipal development institutions, national, local or tribal governments.  Multi-year grant programs, cooperation agreements, etc., are also available Section 954 of Dodd-Frank, which deals with the recovery of compensation policies that ensure that executives do not receive inaccurate financial reporting.  These provisions require the SEC to establish rules that must be adopted by national exchanges, which in turn require listed companies that wish to be listed on the stock exchange to pursue a recovery policy.  These guidelines require executives to return inappropriate compensation in the event of a redefinition of accounts due to non-compliance with reporting obligations, as stated in Section 953 with respect to compensation for the benefit.  When an accounting conversion is completed, the company must recover compensation paid to current or former executives associated with the business in the three years prior to the re-payment.  In July 2015, the SEC proposed regulations for the recovery of compensation.  Dodd-Frank Section 952 deals with independent compensation committees, their advisors and their legal teams.  These provisions require the SEC to require national exchanges to set standards for the remuneration committees of listed companies listed on those exchanges.  Under these standards, national exchanges are prohibited from listing state-owned enterprises that do not have an independent remuneration committee.  In order to ensure the independence of compensation committees, the SEC is required to identify all areas that may create a potential conflict of interest and to work to determine precisely the requirements to be met in order for the committee to be considered independent.
  Other consulting services, personal relationships between advisors and shareholders, Consultants` fees as a percentage of the company`s turnover and the consultants` stock stocks are:  These provisions also include consultants and legal teams who use compensation committees by requiring proxy statements to disclose compensation advisors and by providing for a review to ensure that there is no conflict of interest.  Compensation committees are fully responsible for selecting advisors and determining their remuneration.  The final rules for compensation committees were implemented by the SEC in June 2012 and came into effect in July 2012.  Among these rules, the New York Stock Exchange (NYSE) and the NASDAQ have also added their own rules for maintaining advisors.  These regulations were approved by the SEC in 2013 and came into effect in full in early 2014.   In a late complement to the Conference Committee, the Act contains a provision: Rule 436 (g) under the Securities Act of 1933 (the Securities Act), which currently exempts nationally recognized credit rating agencies from the requirements of the Securities Act applicable to experts and, importantly, exempts credit rating agencies from liability under Section 11 when ratings are included in registration statements Securities Act. The repeal of Rule 436 (g) means that credit rating agencies must give written consent before their ratings can be included in registration statements.