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Discuss the concerns of conflict of interest in having a for - profit corporation, such as Moody's, Standard & Poor's, or Fitch, receive payment for

Discuss the concerns of conflict of interest in having a for-profit corporation, such as Moody's, Standard & Poor's, or Fitch,
receive payment for providing ratings on products distributed by investment companies.
What has been done since the financial crisis to improve the reliability of ratings?
What do you recommend going forward?
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