Banks are businesses that must receive a charter from a a. banking federation b. federal district bank c. mayor and the city council d. state or the national government

D. state or the national government

Explanation:

A bank should initially get approval for a federal or state charter. The Office of the Comptroller of the Currency (OCC) has selective expert to issue a government or "national bank" contract, while any state may issue a state sanction. Before conceding a contract, the OCC or state must probably verify that the candidate bank has a sensible shot for progress and will work in a protected and sound way. Next, the proposed bank must acquire endorsement for store protection from the Federal Deposit Insurance Corporation (FDIC).

Additional approvals are required from the Federal Reserve if, at arrangement, an organization would control the new bank as well as a state-sanctioned bank would turn into an individual from the Federal Reserve.

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