ABC Insurance has AML provisions and training programs that are used and updated frequently. These programs must be tested and maintained properly. These are requirements for this company under which of the following?

A$)$ USAPATRIOT Act and the Bank Secrecy Act, along with federal anti$-$money laundering regulations

B$)$ DEFRA

c$)$ Third$-$party administrators' issues and concerns

D$)$ OBRA