... nancial crisis was avoidable. The crisis was the result of humanaction and inaction, not of Mother Nature or computer models gone haywire. The captains of nance and the public stewards of our nancial ... with the aftereffects of the calamity. Our nancial system is, in many respects,still unchanged from what existed on the eve of the crisis. Indeed, in the wake of the crisis, the U.S. nancial ... “examine the causes of the current nancial and economic crisis in the United States.” In this report, the Com-mission presents to the President, the Congress, and the American people the resultsof...