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This paper will also discuss the impact of the 2002 Sarbanes-Oxley Act on the financial systems in the United States. As financial institutions delve into a wider range of products and activities, policymakers almost certainly will have to decide whether they want to establish a single regulator to oversee all types of financial activity or whether they will be content with the segmented regulatory system long in place in the United States. The central challenge that financial regulators, especially those supervising banking activities, will face is how to deal with the rapid and increasingly complex changes in the financial arena...
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