## [Financial Regulation: Complex and Fragmented Structure Could Be Streamlined to Improve Effectiveness](https://www.gao.gov/products/gao-16-175?mkt_tok=MzgyLUpaQi03OTgAAAGAZp4IS9hRvzXKBZXQdM7vd70waJqfRiEFboIcD1Ixfdc7IGCihd5vFmLWjdAURiPEjwhx8uNLPOXCsxgCdBHq5EHTDXF3qZaqHMPHO20)