generate questions: The U.S. Financial Crisis Inquiry Commission reported its findings in January 2011. It concluded that "the crisis was avoidable and was caused by: widespread failures in financial regulation, including the Federal Reserve’s failure to stem the tide of toxic mortgages; dramatic breakdowns in corporate governance including too many financial firms acting recklessly and taking on too much risk; an explosive mix of excessive borrowing and risk by households and Wall Street that put the financial system on a collision course with crisis; key policy makers ill prepared for the crisis, lacking a full understanding of the financial system they oversaw; and systemic breaches in accountability and ethics at all levels".
When did the U.S. Financial Crisis Inquiry Commission report its findings? {sep_token} What was one of  the conclusions of the U.S. Financial Crisis Inquiry Commission regarding the financial crisis of 2007? {sep_token} What agency failed to stem the tide of toxic mortgages contributing to the financial crisis of 2007? {sep_token} Who was not prepared for the financial crisis in 2007 by lacking a full understanding of the financial system? {sep_token} Which business sector contributed to the financial crisis by acting recklessly and taking on too much risk? {sep_token}