Which of the Following Is a Cost of Providing Federal

Which of the following is a cost of providing federal deposit insurance?

A) Banks have more incentive to monitor loans with the result that their profits have declined and many have failed.
B) There are no significant costs to the insurance,only benefits.
C) Banks have less incentive to act responsibly with the result that they have made riskier loans and some have failed.
D) The insurance makes it more difficult to regulate banks.
E) The insurance makes it more difficult for the fed to run open market operations.