After the first national bank's charter expired,
a) the government never chartered another national bank.
b) a second national bank was chartered immediately.
c) a second national bank was chartered a few years later.
d) the government created the federal reserve the next year.

Explanation:

The First National Bank of the United States was chartered for 20 years, beginning on February 25, 1791. So, its charter expired in 1811.

After five years, The Second National Bank of the United States was chartered for 20 years also, from February 1816 to January 1836.

So, that's why is option C.

C;a Second National Bank was chartered a few years later.

Explanation:

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after the civil war, and with the termination of slavery, the south was faced with a big problem; what was supposed to happen and how they were supposed to deal with the freedom and the rights that black people and freed slaves had gained as a result of the north defeating the south and forcing the end of slavery. first, most, if not all, of the workforce of the south came from slaves and they did not have an option to replace the loss of said workforce. second, particularly in the south, people were convinced that black people were lesser, less intelligent, less capable and less smart than whites. this posed a huge problem for them. also, southerners were faced with another issue; freed slaves now had a say in how their lives would be lived and the right to politically choose the way they would be governed. people in the south did not want to accept this, none of this and this opposition and the conflicts that arose from it, not to mention the afereffects of the war, forced the congress of the time to enact and enforce the reconstruction plans that had been proposed by president andrew johnson.