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Free CRCM Exam Braindumps
CERTIFIED REGULATORY COMPLIANCE MANAGER (CRCM) Questions 139–141 (page: 85)

Updated On: 9-Feb-2026
Page 85 of 276
PDF with 463 Questions

Which of the following statements regarding applications is correct?

  1. Applications must be signed to be valid.
  2. Creditors may accept oral applications.
  3. Creditors may not develop their own definition for a completed application.
  4. A creditor is not required to attempt to complete incomplete applications.

Answer(s): B



For what do ECOA and Regulation B extend coverage?

  1. All types of credit
  2. Only consumer credit
  3. Only consumer credit of $25,000 or less
  4. Only consumer and business credit with gross revenues of $1 million or less

Answer(s): A



For what do ECOA and Regulation B extend coverage?

  1. All types of credit
  2. Only consumer credit
  3. Only consumer credit of $25,000 or less
  4. Only consumer and business credit with gross revenues of $1 million or less

Answer(s): A



For what do ECOA and Regulation B extend coverage?

  1. All types of credit
  2. Only consumer credit
  3. Only consumer credit of $25,000 or less
  4. Only consumer and business credit with gross revenues of $1 million or less

Answer(s): A



Robin Martin made an individual application to the bank for a car loan. She has just returned to work on a regular basis because she was a full-time homemaker until recently, when her last child entered school. The loan officer would like to ask her about her husbanD. Under what circumstances can the officer ask Robin about her husband?

  1. The creditor believes the spouse's signature will make the applicant more creditworthy.
  2. The applicant is married.
  3. The applicant resides in a community property state.
  4. The applicant's credit reports indicate that the spouse is a better credit risk.

Answer(s): C



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