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Note that I'm supposed to use Oxford comma. Now do I need a comma at the place of the question mark?

When such change adversely affects the system, vulnerability increases[?] and a banking crisis becomes more likely.

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    Oxford comma only applies to lists of three items or more. You only have two.
    – RegDwigнt
    Commented May 31, 2014 at 19:55
  • You're right. Not sure how I got confused.
    – ba_ul
    Commented May 31, 2014 at 20:26
  • Who 'supposes' (requires) you to use the Oxford comma? Even the OUP are having second thoughts about a broad-brush approach. Commented May 31, 2014 at 23:20

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A comma isn't needed in this case. Don't get confused with "When such change adversely affects the system" being the first item in the list. Since there are only two items, no comma is needed.

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