Fair credit reporti Study guides, Class notes & Summaries
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FCRA - Fair Credit Reporting Act. EXAMS BUNDLE, VERIFIED
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FCRA - Fair Credit Reporting Act. Questions and answers. VERIFIED// 2024/25 exam prediction paper, RATED A
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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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Fair Credit Reporting Act 2024 Quizzes & Ans..
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Fair Credit Reporting Act 2024 Quizzes & Ans..
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Fair Credit Reporting Act (FCRA) Exam Review Questions and answers, rat/ LATEST EXAM PREDICTIONS UPDATES, APPROVED. ed A+
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Fair Credit Reporting Act (FCRA) Exam 
Review Questions and answers, rated A+ 
FCRA substantially covers: - -Banks acting as *Consumer Reporting Agencies*. 
FCRA requirements ALSO apply to Banks that Operate in the Following Capacities: - -(1) *Obtaining 
and users of Information* (Example: Credit grantors, purchasers of dealer paper, or when opening 
deposit accounts); 
(2) *Furnishers and Transmitters of Information* (by reporting information to consumer reporting 
agencies or other 3rd pa...
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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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Fair Credit Reporting Act (FCRA) - CRCM Study Guide Questions With Correct Answers.
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Fair Credit Reporting Act (FCRA) - CRCM Study Guide Questions With Correct Answers.
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Ch 6-(Test 3)-Fair Credit Reporting Act (FCRA) Questions and answers// LATEST EXAM PREDICTIONS UPDATES, APPROVED.
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Ch 6-(Test 3)-Fair Credit Reporting Act 
(FCRA) Questions and answers/ 
A negligent action occurs when the employer... - -doesn't know that it is violating the law but 
should know. 
A willful action occurs... - -when the er knowingly and intentionally violates the law. 
adverse action - -any decision made by an employer for employment purposes that negatively 
affects an employee or applicant 
After taking adverse action against an employee, the employer must give him/her an adverse action ...
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Fair Credit Reporting Act (FCRA), Questions and answers, verified// 2024/25 exam prediction paper, RATED A+
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Fair Credit Reporting Act (FCRA), 
Questions and answers, verified/ 
What is a consumer reporting agency? - -Any person or organization that 
1. Regularly engages in the practice of gathering or evaluating credit or other information on consumers. 
2. Provides this information to third parties. 
3. Receives fees, dues, or other compensation for providing such reports, or 
4. Provides reports and uses any means of interstate commerce for the purpose of preparing or 
furnishing consumer reports...
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The Fair Credit Reporting Act, Questions and answers, Graded A+/ 2024/25 exam prediction paper, RATED A+
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The Fair Credit Reporting Act, Questions 
and answers, Graded A+ 
What first step must any information user take when requesting a consumer report from a consumer 
reporting agency? 
It must certify that the reason for wanting the report is a permissible reason 
If a person harmed files and wins a lawsuit, civil penalties may be the amount of the _______ damages, 
which cannot be less than $100 nor more than _________. 
Actual; $1,000 
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Fair Credit Reporting Act (FCRA) - CRCM Study Guide. Questions and answ/ LATEST EXAM PREDICTIONS UPDATES, APPROVED. ers, VERIFIED/
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Fair Credit Reporting Act (FCRA) - CRCM 
Study Guide. Questions and answers, 
VERIFIED/ 
A consumer's opt-out must be effective for ____ years beginning at the time the consumer's notice is 
received. - -five 
A Credit Reporting Agency may report negative information for no longer than ____ years and 
bankruptcies for no longer than ____ years. - -7 years, 10 years 
A risk-based pricing notice must be provided to the customer when a lender uses a consumer report in 
the reivew of an ____ ...
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