As DIs Made a Shift from an "Originate-To-Hold" Banking Model

As DIs made a shift from an "originate-to-hold" banking model to an "originate-to-distribute" model over the last decade,

A) banks became more financially stable.
B) it became easier to measure the riskiness of individual loans.
C) there was a dramatic increase in systematic risk of the financial system.
D) the Federal Reserve decreased the number of services that banks could provide.
E) it became more difficult for households to obtain credit.