Answer:<em> 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.</em>
Explanation:
The Dodd–Frank Wall Street Reform is referred to as or known as a US federal rule of law which was enacted and implemented on 21 July, 2010. The law tends to overhaul the financial regulation that was instated in aftermath of financial crisis that occurred in 2007–2008, thus it also made several changes which affected all financial regulatory companies and agencies and several financial service industries.
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I believe the answer is: Group insurance is characterised by a group contract, experience rating of larger groups, and group underwriting.
The value of group insurance is usually significantly larger compared to individual insurance. But usually group insurance could only be created due to the help of government regulations (not individual will). Example of a group insurance is government's medicare.<span />
I'm not sure of the exact word you are looking for, but the general idea is that the federal law will always reign supreme if there is ever a conflict between the federal and state laws. Federal law is superior or higher-ranking or more preferable, etc.
Here is the exact phrasing from Article VI of the US Constitution: "This Constitution, and the laws of the United States which shall be made in pursuance thereof; and all treaties made, or which shall be made, under the authority of the United States, shall be the supreme law of the land; and the judges in every state shall be bound thereby, anything in the Constitution or laws of any State to the contrary notwithstanding."