We see some discussion on the topic everyday, but perhaps a poll to answer the questions what people think caused the current crisis is more than overdue. Note that while related, this poll is NOT about the Southern European debt crisis. My personal opinion on the subject was that the Federal Reserve tried too much to maintain an "oil standard" by suddenly and drastically rising interest rates in order to maintain the USD's de-facto peg with oil. Had the Fed not done this, and kept interest rates low, the banks wouldn't've gone bust and collapsed. While there was room for improvement, I don't think better regulation could have prevented the financial crisis and had in fact little to do with it either.