Compared to Commercial Banks, Why Do Finance Companies Often Have

Compared to commercial banks, why do finance companies often have substantial industry and product expertise?

A) Because they have no bank-type regulators looking directly over their shoulders.
B) Because they are specialized in market research and analysis.
C) Because they are often subsidiaries of corporate-sector holding companies.
D) Because they are more often willing to accept risky customers.
E) All of the options.