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Email On December 11, 2009, the United States House of Representatives passed the Credit Risk Retention Act of 2009 (the “House Bill”) as part of the Wall Street Reform and Consumer Protection Act of 2009. The House Bill proposes laws affecting transfers of loans and the issuance of asset-backed securities (“ABS”). https://www.cadwalader.com/resources/clients-friends-memos/Securitization-Reform-Proposals-The-Credit-Risk-Retention-Act-of-2009-and-the-Restoring-American-Financial-Stability-Act-o