Which of the following statements is true of the Dodd$-$Frank Wall Street Reform Act?

a$.$ It contains five provisions that include increasing the accountability and transparency of financial institutions, creating a bureau to educate consumers in financial literacy and protect them from deceptive financial practices, implementing additional

incentives for whistle$-$blowers, increasing oversight of the financial industry, and regulating the use of complex derivatives.

b$.$ It created only one financial agency $($The Financial Stability Oversight Council$).$

c$.$ It seeks to improve financial regulation, increase oversight of the industry, and prevent the types of risk$-$taking, deceptive practices, and lack of oversight that led to the $2008-2009$ financial crisis.

d$.$ It created only one financial agency $($The Financial Consumer Protection Agency$).$

e$.$ It contains $10$ provisions that include increasing the accountability and transparency of financial institutions, creating a bureau to educate consumers in financial literacy and protect them from deceptive financial practices, implementing additional

incentives for whistle$-$blowers, increasing oversight of the financial industry, and regulating the use of complex derivatives.