Fcra test - Study guides, Class notes & Summaries
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Prepxl Practice test 4, Questions and answers/ VERIFIED/| LATEST UPDATE | EXAM PREDICTION QUESTIONS |
- Exam (elaborations) • 17 pages • 2024
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Prepxl Practice test 4, Questions and 
answers/ VERIFIED/ 
If a borrower is required to pay alimony or child support, it must be included as a(n): 
- Asset 
- Liability 
- Qualifier 
- Mitigating circumstance - -Liability. 
Alimony and child support must be included in a borrower's liabilities if they are required to pay. 
A lender who refuses to originate loans in a particular neighborhood or ZIP code because of the 
perceived creditworthiness of consumers living in the area is in violation...
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APHR Exam 2024 100% Solved
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APHR Exam 2024 
Why do companies have multiple interviews? - Answer ️️ -Decreases the potential for bias 
What is intranet? - Answer ️️ -Information source for empoyees 
Job Rotation - Answer ️️ -Moving an employee from one job to another 
Equal Employment Opportunity Commission - Answer ️️ -agency responsible for enforcing 
and interpreting federal anti-discrimination laws 
The National Labor Relations Board (NLRB) - Answer ️️ -agency responsible for protecting 
the employee...
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NMLS Test 100% Correct Solved
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NMLS Test 100% Correct Solved 
If an application for credit is DENIED based on the appraisal under ECOA (Reg B), how 
many days does the borrower have to request a copy and how many days does the 
lender have to deliver? - Correct Answer️️ -The borrower has 90 to request and the 
lender as 30 days to deliver. 
Appraisal equals? - Correct Answer️️ -Value 
What law allows the borrower to challenge the value stated in the appraisal? - Correct 
Answer️️ -ECOA (Reg B), Equal Credit Opport...
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Property and Casualty Insurance Test Question Notes with 100% Correct Answers
- Exam (elaborations) • 10 pages • 2024
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Property and Casualty Insurance Test Question 
Notes with 100% Correct Answers 
What is a peril? - Correct Answer ️️ -A Peril is a cause of loss 
What is a hazard? - Correct Answer ️️ -Something that increases the chance of a loss 
What is the difference between a Moral hazard and a Morale Hazard? - Correct Answer ️️ 
-Moral Hazard - dishonesty, against the law 
Morale Hazard - carelessness 
What is the method of handling risk that involves a deductible? - Correct Answer ️️ - 
Re...
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Property and Casualty Insurance Test Question Notes with 100% Correct Answers
- Exam (elaborations) • 10 pages • 2024
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Property and Casualty Insurance Test Question 
Notes with 100% Correct Answers 
What is a peril? - Correct Answer ️️ -A Peril is a cause of loss 
What is a hazard? - Correct Answer ️️ -Something that increases the chance of a loss 
What is the difference between a Moral hazard and a Morale Hazard? - Correct Answer ️️ 
-Moral Hazard - dishonesty, against the law 
Morale Hazard - carelessness 
What is the method of handling risk that involves a deductible? - Correct Answer ️️ - 
Re...
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MLO SAFE NMLS SAFE TEST PRACTICE QUESTIONS | LATEST VERSION | 2024/2025 | ALREADY PASSED
- Exam (elaborations) • 66 pages • 2024
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MLO SAFE NMLS SAFE TEST PRACTICE 
QUESTIONS | LATEST VERSION | 
2024/2025 | ALREADY PASSED 
 
__________________ requires that a borrower is notified ___________ days prior to the 
effective date of the loan servicing transfer. RESPA (Real Estate Settlement Procedures Act), 
15 days prior 
 
________________________ is another name for Section 114 of FACTA and also amends 
FCRA. The Red Flag Rules 
 
A ______________ buyer is a person who gets paid for the use of their name and credit history 
i...
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Prepxl Practice Test 3: Exam Review Questions and answers/| LATEST UPDATE | EXAM PREDICTION QUESTIONS |
- Exam (elaborations) • 24 pages • 2024
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Prepxl Practice Test 3: Exam Review 
Questions and answers/ 
In January of 2020, Wella and Kip agreed to purchase a home at a purchase price of $546,300. They 
would like to hold onto as much of their savings as they can, but they have chosen to make a down 
payment sufficient enough to qualify for a conforming loan. What is the minimum down payment they 
can make to reach the conforming loan limit but still retain savings? 
- $47,900 
- $35,900 
- $95,800 
- $54,900 - -$35,900. 
The down p...
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NMLS Test Prep CompuCram Test Questions and answers graded A+ 2023
- Exam (elaborations) • 12 pages • 2023
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NMLS Test Prep CompuCram Test Questions and answers graded A+ 2023A borrower signs the note and mortgage for a refinance on his principal residence on Thursday, Dec. 31. What is the earliest day the funds for this loan could be disbursed (assuming no bona fide financial hardship)? - correct answer Wednesday, Jan. 6 
 
Who manages the National Do Not Call Registry? - correct answer Federal Trade Commission 
 
What federal legislation regulates credit reporting agencies and lenders concerning cred...
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Property and Casualty Insurance Test Question Notes Graded A+
- Exam (elaborations) • 9 pages • 2024
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Property and Casualty Insurance Test Question Notes Graded A+ 
What is a peril? A Peril is a cause of loss 
What is a hazard? Something that increases the chance of a loss 
What is the difference between a Moral hazard and a Morale Hazard? Moral Hazard - dishonesty, 
against the law 
Morale Hazard - carelessness 
What is the method of handling risk that involves a deductible? Retention (loss or portion of loss) 
If a fire causes damage to a building, what is the fire considered? A Peril ...
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Employment Law - C233 Exam Questions with 100% Correct Answers 2024
- Exam (elaborations) • 13 pages • 2024
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Employment Law - C233 Exam Questions 
with 100% Correct Answers 2024 
Collective Bargaining - answerThe negotiation process between unions and employers 
Unions - answerAn organization that represents workers in bargaining with employers 
Strike - answerA work stoppage by mass refusal of employees to work 
Yellow Dog Contract - answerA document whereby an employee agrees not to organize or 
join a union 
Common Law Criminal Conspiracy - answerA combination of two or more individuals 
planning to...
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