FACTBOX: Clinton proposals on U.S. financial regulation

(Reuters) - Democratic presidential hopeful Hillary Clinton has set out her proposals on U.S. financial market regulation.

Below are the main aspects of her plan:

MORTGAGE LENDERS

Clinton would create a federal minimum standard for companies and people who start the process of organizing a loan, known as mortgage originators.

Standards would include subjecting such lenders to minimum licensing, supervision and capital requirements, and bringing mortgage bankers more fully under the scope of the Community Reinvestment Act.

RISK MANAGEMENT

Clinton wants to subject all institutions that are eligible to access the Federal Reserve's credit to regulations equivalent to commercial banks.

BETTER FINANCIAL OVERSIGHT

Clinton's proposals call for more transparency and oversight of "exotic financial products" such as complex derivatives. That would including ensuring that financial institutions that hold collateralized debt obligations and credit default swaps are subject to minimum capital requirements.

RATING AGENCIES

Clinton called for either a change in how rating agencies are compensated -- currently they are paid by the institutions they rate -- or new measures to ensure there was no conflict of interest.

Those measures could include requiring rating agencies to certify that their practices adhere to standards adopted by the Securities and Exchange Commission; establishing an independent Risk Committee with no financial incentive to rating agencies to review rating decisions; or establishing an independent rating agency ombudsman approved by the SEC.

CREDIT CARDS AND STUDENT LOANS

Clinton proposed an immediate national annual interest rate cap of 30 percent on all credit cards, which would cover the stated rate and the effective rate.

She also called for a student borrower's bill of rights. (Reporting by Jeff Mason; Editing by Doina Chiacu)