All of the Following Contributed to the Banking Crisis of 2008

All of the following contributed to the banking crisis of 2008 EXCEPT:

A) The Federal Reserve Bank had kept interest rates at unprecedentedly low levels.
B) Banks and other lending institutions issued "subprime" mortgages.
C) Wall Street bankers developed complex ways of repackaging and selling "subprime" mortgages to investors.
D) The Federal Reserve Bank and other regulatory agencies slowed the speculative frenzy.
E) Public and private policies favored economic speculation and get-rich-quick schemes.