Prior to the U.S. financial crisis of 2008-2009, financial regulation in the United States consisted of a _____ system of regulators, which the Dodd-Frank Act sought to improve upon by _____ the number of regulatory bodies.

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The Answer of Prior to the U.S. financial crisis of 2008-2009, financial regulation in the United States consisted of a _____ system of regulators, which the Dodd-Frank Act sought to improve upon by _____ the number of regulatory bodies.