Which of the following statements concerning bank regulation in the United States is TRUE?

Which of the following statements concerning bank regulation in the United States is TRUE?
A) The Office of the Comptroller of the Currency has sole regulatory responsibility over bank holding companies.
B) The Office of the Comptroller of the Currency has the primary responsibility for state banks that are members of the Federal Reserve System.
C) The state banking authorities have sole regulatory responsibility for all state banks.
D) The Federal Reserve and the state banking authorities jointly have responsibility for the state banks that are members of the Federal Reserve System.