List three types of commercial bank charters and indicate which federal agency has primary regulatory responsibility for each.

1. List three types of commercial bank charters and indicate which federal agency has primary regulatory responsibility for each.2. List three broad categories of consumer protection laws in banking and give an example of each type.3. What are two ways in which equity capital reduces bank risk?4. List three reasons why banks are regulated.5. When is a bank “critically undercapitalized” and what are the consequences?