举个例子，法案明智地要求银行和其他抵押贷款发起人在自家资产报表上至少留存相当于其创设总额5%的住房贷款产品，而不是将其全部重新包装转售给他人，因为这种“风险共担”可以促使贷款发起人去验证借款者的信誉。
The Dodd-Frank law wisely required banks and other mortgage originators to retain on their books at least 5% of the housing loans they made, rather than repackaging every last one for resale to others. The loan originators need to have “skin in the game,” in order to have an incentive to verify borrowers’ creditworthiness.