24. The opening of a commercial bank in the United States a. does not require a charter. b. always requires a charter from a state government. c. always requires a charter from the federal government. d. requires a charter from a state or the federal government. e. requires a charter from both the state and federal government. 25. Which of the following is NOT a specific criterion that regulators use to monitor banks? a, capital adequacy b. dollar value of fixed assets c. asset quality d. earnings e. sensitivity to financial market conditions