The Dodd-Frank Wall Street Reform and Consumer Protection Act included all of the following provisions except one. Which is the exception? the law requires mortgage originators to verify a borrowers income, credit history, and job status the law authorizes the Federal Reserve to regulate companies other than banks - such as insurance companies and investment firms the law establishes the Financial Stability Oversight Council, a super-regulator that will monitor Wall Street's largest firms the law gives the Federal Reserve the authority to establish a reserve requirement for all financial institutions the law requires issuers of mortgage-backed securities to retain at least 5 percent of the credit risk associated with the mortgages