The regulation on the banking system in the U.S.resulted in a fragmented,decentralized system.

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The regulation on the banking system in the U.S. resulted in a fragmented, decentralized system, with different types of institutions, such as commercial banks, savings and loans associations, and credit unions subject to different regulations and oversight. This fragmentation contributed to the financial crisis of 2008, as institutions were able to take on excessive risk without sufficient oversight.

The Regulation on the Banking System in the U