14.	Lending on residential housing was concentrated in the Savings and Loan industry as a part of this Act
	a)	The Financial Services Modernization Act of 1999
	b)	The Glass-Steagall Act of 1933
	c)	National Banking Act of 1863
	d)	The McFadden Act of 1927
	e)	The Federal Reserve Act of 1913

17.	The reaction of the commercial banking industry to this Act was to form bank holding companies, which allowed the holding company to open new banks in different locations.
	a)	The Federal Reserve Act of 1913
	b)	The McFadden Act of 1927
	c)	The Glass-Steagall Act of 1933
	d)	The Financial Services Modernization Act of 1999
	e)	National Banking Act of 1863

16.	The FDIC was formed as part of this Act in order to restore confidence in the U.S. banking industry
	a)	The Federal Reserve Act of 1913
	b)	The McFadden Act of 1927
	c)	The Financial Services Modernization Act of 1999
	d)	National Banking Act of 1863
	e)	The Glass-Steagall Act of 1933