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US Banking and Overall Financial Institutions and Means of Facilitating Monetary Transaction

Reflection Paper: US Banking and Overall Financial Institutions and Means of Facilitating Monetary Transaction
In short this paper, you will summarize your learning of the course.  This paper should be 4 pages double spaced and written using APA standards.
The first two pages are for you to summarize what you have learned from the course and your overall thoughts on the US banking/financial systems primarily and global banking//financial systems secondary.
The last page(s) are purely your thoughts addressing do YOU think the global banking/financial systems/means should be regulated globally (i.e. one set of laws/rules/regulations for all banking/finance throughout the world)?  If you agree, how would implement?  If you disagree, why and what do you think it should be?