In the Wells Fargo case, which two provisions of the Dodd Frank Act came into play in penalizing the firm's creation of fraudulent accounts and failed governance? A. the increased powers of the Federal Reserve and creation of the Consumer Financial Protection Bureau. B. the Volcker Rule and the increased powers of the Federal Reserve C. the creation of the Consumer Financial Protection Bureau and the Systemic Risk Council D. the Volcker Rule and the Systemic Risk Council