Some Argue That the Financial Crisis of 2007-2008 Was Caused

Some argue that the financial crisis of 2007-2008 was caused by a poor understanding of risks in the economy.One reason for this is that:

A) credit card companies did not disclose who defaulted on their loans.
B) banks' secrecy laws prevented them from reporting which homeowners were behind in their mortgage payments.
C) mortgage brokers did not use the Internet to check on default rates.
D) some bond rating agencies' ratings did not disclose the true extent of the riskiness of mortgage-backed assets.