Answer:
Social influence model
Explanation:
The social influence model has its basis on the Social Learning Theory proposed by Bandura, which indicates that behavior comes from either positive or negative influences. Individuals that are part of the social sphere (such as parents and peers) and subjection to the media usually work as impact models, representing proper or improper behavior.
This is Dodd-Frank Act
This Act carries a whistleblowing assistance to inspire those with authentic data and evidence about security violations to report them to the government wherein whistleblowers will receive a monetary prize.
Dodd-Frank formed the CFPB or Consumer Financial Protection Bureau to safeguard the consumers from huge, unsupervised banks and merge the consumer security responsibilities. It also works with officials in large banks to avoid dangerous business methods that eventually hurt consumers. This control provides access to consumers a precise information about loans and credit scores.