Chris Dodd and Barney Frank - retired senators from CT and MA I think who sponsored a bill after the financial crash in 2008 which implements a number of regulations that impact lenders.  

I've heard the term in the context of licensed lenders, and have heard similar terms used for rules implemented for licensed real estate brokers, but I've never seen anything that deals with unlicensed buyers or sellers.I have to imagine that thousands (tens of thousands?)

Also as you are obtaining all this new info, try to implement right away.

I had to make adjustments (fortunately the one that needed the fastest adjustment was on a month to month) which I implemented over a fairly short term ($190 a month increase within 5 months).

Your advisors should be implementing strategies with you that avoids subjecting you to a grey area like this.

If you look at the Smoot-Hawley case in 1930, the recession was already underway when these tariffs were unwisely implemented.

What strategies you implement?

I thought about implementing a fine system where if I smell smoke or see a cigarette butt, then they get a $50 fine.

If I am still around for the industry, they usually take 5-8 years to implement once it becomes law, you know, government workers tend to delay everything.

Spending a bunch of money doesn't make you successful, implementation and taking action makes you successful.