Auto finance companies are$\_\_\_\_\_\_\_\_.$

A$.$

retail funding banks that raise money primarily through deposits and use the funds to buy$$ asset$-$backed securities

B$.$

nonbank financial intermediaries that raise money through sales of commercial paper and other securities and use the funds to make car loans available

C$.$

investment banks that raise money through$$ long$-$term savers and use the funds to produce and sell cars

D$.$

commercial banks that raise money primarily through deposits and use the funds to make car loans available