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Among the many laws enacted that affect commercial banks, two important ones are the Financial Services Modernization Act (FSMA or Gramm-Leach-Bliley) and The Wall Street Reform and Consumer Protection Act (Dodd-Frank Act, DFA).

a) What were the circumstances that led to these laws being passed?

b) Summarize the arguments both for and against making changes to these two Acts

c) What are the major differences in these laws from major banking Acts passed from 1980 through 1991?

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