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B. Users need to download and install an authenticator app on their mobile device.
For two-factor authentication (MFA) setup, especially for API access like Data Loader, users are required to use an authenticator app. This app generates time-based one-time passwords (TOTPs) which are essential for MFA.
C. Users need to connect an authenticator app to their Salesforce account.
To use MFA, users must set up and link the authenticator app with their Salesforce account. This process involves scanning a QR code or entering a setup key provided by Salesforce to connect the app.
Based on this link,
https://help.salesforce.com/s/articleView?id=sf.security_require_2fa_api.htm&type=5
Before the Multi-Factor Authentication for API Logins permission takes effect, users must access Salesforce through the UI and complete MFA using Salesforce Authenticator or a third-party authenticator app. After users have completed MFA through the UI, they can use time-based, one-time passwords (TOTPs) from the app for MFA for API logins.
Why not C & A?