1. Which of the following is NOT part of the Dodd-Frank Wall Street Reform and Consumer Protection Act?
   1. Increased oversight of credit ratings agencies
   2. Stricter rules for banks on capital, liquidity, and risk management
   3. Ban on use of all derivatives by commercial banks
   4. More transparency in the over-the-counter derivatives market and having more derivatives (like CDS) trade on exchanges
   5. Creation of the Financial Stability Oversight Council