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Free Banking CRCM Exam Braindumps (page: 65)

Page 65 of 344
PDF with 463 Questions

According to FDIC Guidance on Spousal Signature Provisions, if the creditor requires the spouse's signature on an instrument that imposes personal liability, the creditor's belief should be:

  1. Supported by a thorough review of pertinent statutes, decisional law, or an opinion of the state's attorney general
  2. Supported by a thorough review of pertinent statutes
  3. Supported by decisional law
  4. Supported by an opinion of the state's attorney general

Answer(s): A



According to FDIC Guidance on Spousal Signature Provisions, if the creditor requires the spouse's signature on an instrument that imposes personal liability, the creditor's belief should be:

  1. Supported by a thorough review of pertinent statutes, decisional law, or an opinion of the state's attorney general
  2. Supported by a thorough review of pertinent statutes
  3. Supported by decisional law
  4. Supported by an opinion of the state's attorney general

Answer(s): A



A consumer reporting agency may furnish a consumer report

  1. If not authorized in writing by the consumer
  2. In response to a court order having jurisdiction or a subpoena issued by a federal grand jury or review or collection of an account of the consumer
  3. In connection with a credit or insurance transaction
  4. For employment purposes
    Before procuring a consumer report, an employer
    Must disclose to the individual in writing that a consumer report may be obtained Must obtain written authorization from the individual before procuring the report

Answer(s): B,C,D



A consumer reporting agency may furnish a consumer report

  1. If not authorized in writing by the consumer
  2. In response to a court order having jurisdiction or a subpoena issued by a federal grand jury or review or collection of an account of the consumer
  3. In connection with a credit or insurance transaction
  4. For employment purposes
    Before procuring a consumer report, an employer
    Must disclose to the individual in writing that a consumer report may be obtained Must obtain written authorization from the individual before procuring the report

Answer(s): B,C,D






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