Which term describes efforts to change laws and laws or regulations of governmental or private organizations?

Government regulation affects the financial services industry in many ways, but the specific impact depends on the nature of the regulation. Increased regulation typically means a higher workload for people in financial services, because it takes time and effort to adapt business practices to ensure that the new regulations are being followed correctly.

While the increased time and workload resulting from government regulation can be detrimental to individual financial or credit services companies in the short term, government regulations can also benefit the financial services industry as a whole in the long term.

d

step-by-step explanation:

look at the x and y axis