What is the fcra - Study guides, Class notes & Summaries
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CR4 - Fair Credit Reporting Act. Exam Questions and answers/ 2024/25 exam prediction paper, RATED A+
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CR4 - Fair Credit Reporting Act. Exam 
Questions and answers 
C 
3D905EB356FB48CBADABC7D80365B981 
Not answered. The correct answer is c. A is incorrect because only consumers must receive risk based 
pricing notices. B is incorrect because risk based pricing notices must be provided when a lender 
increases a consumer's rate based on a credit report. D is incorrect because a risk-based pricing notice is 
not required when the lender approves a loan on the terms requested by the consumer. -...
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CIPP/US Questions and Answers Already Passed
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CIPP/US Questions and Answers Already Passed 3 branches of US Gov't & functions Legislative - make laws Executive - enforce laws Judicial - interpret laws 
What state constit explicitly recognizes rt to privacy? California 
10th Amdmt Where no fed law prevents it, states may make law. 
Federal Preemption? A superior govt's ability to have its laws supersede those of an inferior govt. CAN-SPAM FCRA (?) 
Not preempted HIPAA data breach notification (gen) 
stare decisis = let the (past) decision ...
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NMLS 2024 Exam Questions with Correct Answers.docx
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NMLS 2024 Exam Questions with Correct A 
What law deals with credit, APR & advertising of consumer loans? - Answer- TILA/REGULATION Z 
 
Which regulation prohibits kickbacks? - Answer-RESPA 
 
Which regulations requires the lender to cancel PMI when the loan reaches 78% LTV? - Answer-HPA - Homeowners Protection Act 
 
Which regulation prohibits fee splitting? - Answer-RESPA 
 
Regulation X is the letter used to describe which Law? - Answer-RESPA 
 
RESPA is the acronym used to describe which law...
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USAA AUTO INSURANCE EXAM 2024 WITH 100% CORRECT ANSWERS
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Terrorism Risk Insurance Act (TRIA) Answer - In 2002- the availability of reinsurance coverage against terrorism. If there is a terrorist act then the federal government is responsible in paying the insurer for any damage. 
 
What is TRIEA and when did it happen Answer - In 2005 legislation was modified and coverage was extended by the Terrorism Risk Insurance Extension Act 
 
FCRA- when, what, and what it stands for Answer - In 1970 the Fair Credit Reporting Act was establish by the federal gov...
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Fair Credit Reporting Act: Exam Review Questions and answers, VERIFIED./ 2024/25 exam prediction paper, RATED A+
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Fair Credit Reporting Act: Exam Review 
Questions and answers, VERIFIED. 
In addition to requirement related to financial institutions acting as CRAs, FCRA requirements also apply 
to who? (4 categories) - -1- procurers and users of information 
2- furnishers and transmitters of information 
3 - Marketers of credit or insurance products 
4 - Employers 
For FCRA, is there a difference between a "consumer" and a "person"? - -yes. A consumer is an 
individual. A person can be a "individual...
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CIPP/US EXAM QUESTIONS WITH CORRECT ANSWERS- LATEST UPDATE 2024
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CIPP/US EXAM QUESTIONS WITH CORRECT ANSWERS- LATEST UPDATE 2024 
 
What are 5 elements that must be in a security program under GLBA - Answer-1. Designate an employee to coordinate the safeguards 
2. Identify and assess the risks to customer information in each relevant area of the company's operation and evaluate the effectiveness of the current safeguards for controlling those risks 
3. Design and implement a safeguard program and regularly monitor and test it 
4. Select appropriate service p...
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Fincert Texan Smart Exam Questions With 100% Correct Answers.
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Fincert Texan Smart Exam Questions 
With 100% Correct Answers. 
________ is a contractual agreement whereby a borrower receives something of monetary value 
now and agrees to repay the lender at a later date. - answercredit 
Credit addresses what? - answerThe concepts of obtaining and utilizing credit wisely 
True or False: Good credit can take years to establish yet only months to destroy. - 
answertrue 
What is the FCRA? - answerThe Fair Credit Reporting Act 
why is the FCRA important? - answe...
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USAA Auto Insurance Terms Study Guide Top-Graded 2024
- Exam (elaborations) • 14 pages • 2023
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Terrorism Risk Insurance Act (TRIA) - In 2002- the availability of reinsurance coverage against terrorism. If there is a terrorist act then the federal government is responsible in paying the insurer for any damage. 
 
What is TRIEA and when did it happen - In 2005 legislation was modified and coverage was extended by the Terrorism Risk Insurance Extension Act 
 
FCRA- when, what, and what it stands for - In 1970 the Fair Credit Reporting Act was establish by the federal government to promote fa...
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SHRM-CP- US Employment Laws and Regulations Questions and Answers | Latest Version | 2024/2025 | Graded A+
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SHRM-CP- US Employment Laws and 
Regulations Questions and Answers | 
Latest Version | 2024/2025 | Graded A+ 
 
What is the primary purpose of the Fair Labor Standards Act (FLSA)? 
 To establish minimum wage, overtime pay, and youth employment standards. 
 
How does the Equal Employment Opportunity Commission (EEOC) contribute to workplace 
fairness? 
 
 It enforces federal laws that prohibit employment discrimination. 
 
What is the significance of the Family and Medical Leave Act (FMLA)? 
 It ...
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MLO National Exam Questions with Complete Solutions | A+ Grade
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According to the FCRA, when must a credit agency give a consumer a free copy of his credit report? 
A.)If the loan application is denied because of information in the report 
B.) Whenever he request it A.)If the loan application is denied because of information in the report 
A Consumer comes into your office to apply for a loan. The Home Mortgage Disclosure Act requires you 
to collect information about her race. If she does not wish to provide information for that section of the 
application, ...
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