Free CRCM Exam Braindumps (page: 198)

Page 198 of 344

Bob's wife is HIV-positive due to a blood transfusion during an appendectomy 15 years ago. She is not yet sick, but takes medication to prevent the onset of AIDS. Bob occasionally needs to take time off from work to take her for testing at Johns Hopkins in Baltimore. Because of complaints about Bob's exposure to this disease, employees have asked HR to limit his contact with them and with customers. The bank has asked Bob not to eat in the lunchroom with the other employees and has placed Bob in a position where he has limited customer contact. Does this company have any potential ADA liability?

  1. No. Bob's exposure to HIV could endanger other employees and customers
  2. No. Because the hiring manager does not know that Bob actually has HIV or AIDS, there is no liability
  3. Yes. Because the manager has associated Bob with this disease, the "associated with" rule applies
  4. Yes. Because the manager has regarded Bob as having a disability, he has been "regarded as" disabled and the ADA applies

Answer(s): D



Bob's wife is HIV-positive due to a blood transfusion during an appendectomy 15 years ago. She is not yet sick, but takes medication to prevent the onset of AIDS. Bob occasionally needs to take time off from work to take her for testing at Johns Hopkins in Baltimore. Because of complaints about Bob's exposure to this disease, employees have asked HR to limit his contact with them and with customers. The bank has asked Bob not to eat in the lunchroom with the other employees and has placed Bob in a position where he has limited customer contact. Does this company have any potential ADA liability?

  1. No. Bob's exposure to HIV could endanger other employees and customers
  2. No. Because the hiring manager does not know that Bob actually has HIV or AIDS, there is no liability
  3. Yes. Because the manager has associated Bob with this disease, the "associated with" rule applies
  4. Yes. Because the manager has regarded Bob as having a disability, he has been "regarded as" disabled and the ADA applies

Answer(s): D



Roger Jameson is the head of the consumer loan department at First National Bank. He is a regular participant in a lending committee of a local finance trade association. The committee meets once a month at a local hotel. After the committee meetings, Roger and several other committee members who are officers at other banks in town go to a hotel restaurant and talk for a couple of hours before leaving. During these informal conversations Roger learned that the other members require the car dealerships in town that sell consumer installment contracts to the banks to refrain from selling them to local savings and loan associations. Roger believes that this is a good idea and would like to implement it at First National. Is there a problem with doing so?

  1. No, because interest rates are not involved.
  2. No, because this decision would have no effect on the cost to the consumer.
  3. Yes, unless there are enough dealerships in town to provide contracts to all of the institutions.
  4. Yes. Restricting the dealerships is a restraint of trade.

Answer(s): D



Roger Jameson is the head of the consumer loan department at First National Bank. He is a regular participant in a lending committee of a local finance trade association. The committee meets once a month at a local hotel. After the committee meetings, Roger and several other committee members who are officers at other banks in town go to a hotel restaurant and talk for a couple of hours before leaving. During these informal conversations Roger learned that the other members require the car dealerships in town that sell consumer installment contracts to the banks to refrain from selling them to local savings and loan associations. Roger believes that this is a good idea and would like to implement it at First National. Is there a problem with doing so?

  1. No, because interest rates are not involved.
  2. No, because this decision would have no effect on the cost to the consumer.
  3. Yes, unless there are enough dealerships in town to provide contracts to all of the institutions.
  4. Yes. Restricting the dealerships is a restraint of trade.

Answer(s): D



Page 198 of 344



Post your Comments and Discuss Banking CRCM exam with other Community members:

LeAnne Hair commented on August 24, 2023
#229 in incorrect - all the customers require an annual review
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LeAnne Hair commented on August 24, 2023
#229 in incorrect - all the customers require an annual review
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LeAnne Hair commented on August 24, 2023
I think question 204 has an incorrect solution. It should be D-Regulation E
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Igor commented on April 10, 2020
Guys, leave no stones unturned. Try to study every questions and anything other supplementary material you have. The exam is not easy. I just wrote mine and if it wss not for these questions I would have not have passed it.
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Lori commented on July 20, 2017
I had a good result. Worth the money.
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Chipps commented on July 20, 2017
Studying from this dump helped me understand the concept and what comes in the exam. But I only get about 80 to 85% of the questions not 100% as it is claimed. Well... still good enough to pass.
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