One of the Benefits for a Bank Securing a Federal

One of the benefits for a bank securing a federal (national) charter instead of a state charter is that:

A) federal rules can pre-empt state laws.
B) a federal charter is generally easier and less costly to secure.
C) a federal charter often allows to lend a higher percentage of capital to a single borrower.
D) a federal charter usually entails lower supervisory fees.
E) None of the options are correct.