We discussed many different important laws and regulations that have been put into place in the U.S. Which law or regulation in the past 100 years (excluding the Dodd-Frank, Glass-Steagall, and Gramm-Leach-Biley Acts) do you believe has been the most consequential in shaping the banking industry as we know it today? Describe the laws purpose and provisions as well as the impact it has had on the U.S. banking landscape.