During the early 1980s, the federal government responded to the severe problems plaguing savings and loan associations by: Group of answer choices allowing S&Ls to offer a variety of financial services that made them more like commercial banks. nationalizing the savings and loan industry, including more regulations. providing interest-free loans to S&Ls that were short on reserves. declaring a moratorium on S&L debt payments, and limiting the amount of funds depositors could withdraw from a S&L in any given 24-hour period