Economic Growth, Regulatory Relief, and Consumer Protection Act (2018)

1) Link to the Text of the Act
Read the statute (12 U.S.C. §§ 5365 et seq.)

2) Why It Was Done
Passed to amend and roll back parts of the Dodd–Frank Act (2010), the Act was intended to ease regulatory burdens on small and mid-sized banks while maintaining protections for consumers and systemic risk oversight.

3) Pre-existing Law or Constitutional Rights
Dodd–Frank imposed strict oversight on nearly all banks with assets over $50 billion. This Act raised that threshold and loosened some compliance rules, but did not alter constitutional rights.