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Email On May 20, 2010, the United States Senate passed a financial reform bill entitled The Restoring American Financial Stability Act of 2010 (the “Senate Bill”), which includes provisions designed to improve the offering process for asset-backed securities (“ABS”).1 The Senate Bill was passed in response to a bill passed by the United States House of Representatives on December 11, 2009, entitled The Wall Street Reform and Consumer Protection Act of 2009 (the “House Bill”).2 https://www.cadwalader.com/resources/clients-friends-memos/securitization-reforms-what-is-the-current-state-of-play