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Banking CRCM Exam
CERTIFIED REGULATORY COMPLIANCE MANAGER (CRCM) (Page 55 )

Updated On: 11-Jan-2026
Page 55 of 276
PDF with 463 Questions

A banking agency is conducting a credit needs determination. Which of the following is NOT a criterion used in such a determination?

  1. The bank's CRA rating
  2. Economic conditions, including loan demand in the bank's communities
  3. Whether the bank was once part of a failed institution
  4. The bank's profitability ratios

Answer(s): D



Which of the following banks CANNOT select Montana as its home state for deposit production purposes?

  1. ABC National Bank with its headquarters in Missoula, Montana
  2. XYZ State Bank, with a Montana state charter
  3. ACME National Bank with its headquarters in Minneapolis, MN, but with most of its branches and the majority of its loans in Montana
  4. Friendly Bank, a U.S. branch of a foreign bank with two U.S. locations, one in Montana and one in Wyoming

Answer(s): C



Williams National Bank has its home office in New York State; however, it has branches in NebraskA. The federal banking agencies most recent host state loanto- deposit publication lists the loan-to-deposit ratio for Nebraska as 78 percent. For Williams Bank to pass the loan-to-deposit screen of the Reigle-Neal Act, what must its loan-to-deposit ratio be for Nebraska?

  1. At least 78 percent
  2. At least 50 percent
  3. At least 39 percent
  4. At least 25 percent

Answer(s): C



In a review of a bank's home mortgage loan application register, which of the following must be included in Regulation C reporting?

  1. Loans made or purchased in a fiduciary capacity
  2. Servicing rights purchased
  3. Interim construction loan applications
  4. Loans made and sold within the reporting period

Answer(s): D



Under HMDA, what is the threshold for reporting the interest rate spread for first lien mortgage loans?

  1. Over 3 percentage points
  2. Over 5 percentage points
  3. Over 7 percentage points and when the loan is subject to the Home Ownership and Equity Protection Act
  4. Less than 8 percentage points but greater than 5 percentage points

Answer(s): A



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