Summary to essay on topic "Financial and Mortgage Services Industry"
The Financial and Mortgage sector is the heart of all economical decisions taken by the government. It creates a base and a starting point to analyze the sector to find out any transactions, dealings or contracts affecting the life of the citizens and the economy and wealth of the nation.
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Furthermore it will give us an external environment overview of the strategic tools used to understand market growth or decline, business position, potential and direction for operations.
The Basel II Regulations are expected to reshape the entire financial services industry by creating new classes of competitors based on their risk-measurement and value-measurement technologies. Let us write or edit the essay on your topic "Financial and Mortgage Services Industry" with a personal 20% discount.. Try it now These guidelines pose serious threats to both real estate lending by commercial banks and the viability of the entire industry since higher capital charges could reduce available capital for commercial real estate. 
Sarbanes-Oxley developed a private, nonprofit corporation, to ensure that financial statements are audited according to independent standards. It also holds chief executives and chief financial officers directly responsible for the accuracy of financial statements. The law seeks to rule out conflicts that would make securities analysts less than objective and gives board audit committees rather than CEOs or chief financial officers full control of auditors. 
The new regulations for mutual funds to have 75% independents in the board of directors and have an independent mutual fund chairman of the board represent one of the most drastic changes. These rules will require the search and hiring of new members to meet the regulations as a result, a shortage of potential candidates may be experienced. These regulations can be good or bad for a company depending on the quality of decisions taken at the time of appointing new directors and chairperson. 
Hedge Funds Regulations
With the increasing growth of hedge funds in the market, the regulations to monitor them are becoming more practical in the near future. 
Regulations for New Entrants
Some regulations regarding the minimum capital requirements for a company act as a barrier to new firms trying to enter the industry. Along with this investment and technological input costs are difficult to meet for these new entrants. 
Federal Interest Rate Hikes
The changing of the fund rate has the most impact on short-term rates. The raising or lowering of this rate will affect interest rates on mortgages, credit cards, and home equity lines of credit. When the target rate is raised, consumers pay more interest. When the rate is lowered, they pay less. These rate hikes will also affect credit cards since credit card interest rates are tied to the prime rate, which is subject to the actions of the Fed. As the rate increases tend move slowly to credit cards because issuers re-price cards once a quarter, the rate increase will be seen in the near future. 
Declining Personal Savings Rate
In September 2005, the personal saving rate as a percentage of disposable income was negative implying US consumers spent more than 100% of their monthly post-tax income. This decline in savings can be bad for the economy as there will be lesser investment and the financial sector can suffer. 
Compliance Costs for Small Firms
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