... The Dodd -Frank Wall Street Reform and Consumer Protection Act (“Dodd -Frank Act )1 was enacted on July 21, 2010. Title IX, Subtitle C of the Dodd -Frank Act, consisting of sections 931 through ... opinions and methodologies.”47 The Mortgage Bankers Association questioned whether the introduction of standardized terminology would go beyond the statutory authority of the Dodd -Frank Act by ... comment, the Commission staff gathered information through a review of publicly-available information on, among other things, the credit rating scales and credit rating definitions of NRSROs and...