The Commercial Banking System's Ability to Expand Demand Deposits Is

The commercial banking system's ability to expand demand deposits is reduced when

A) the public wants to hold currency rather than demand deposits.
B) banks become members of the Federal Reserve System
C) someone deposits newly printed money in the banking system.
D) banks reduce their holdings of cash assets and increase business and consumer loans.
E) the Fed lowers the legal reserve requirement on checkable deposits.