Which of the following is NOT a consequence of securitization for the financial institution $($FI$)$ that securitize the loans?

a$)$ The Fi has a decreased liquidity of assets.

b$)$ The Fl has a new source of funds.

c$)$ The Fl increases the efforts of monitoring on the securitized loans.

d$)$ It decreases the duration of assets for the FI$.$

e$)$ It decreases the regulation tax that are implicitly paid by the Fl$.$