As a Result of the Worldwide Financial Crisis, Which of the Following

As a result of the worldwide financial crisis, which of the following is a valid criticism of regulations created by the Bank for International Settlements with regard to international banking services?

A) The ability to conduct cross-border transactions was limited.
B) Voluntary governance rules failed to provide adequate protections.
C) Accounts in different currencies were prohibited.
D) The use of international letters of credit was too limited.