ABA CRCM Practice Test - Questions Answers, Page 9
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Question 81
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Lending restrictions under requirements 12 CFR 215; 12 CFR 337, 12 CFR 349 are all of the following EXCEPT:
Question 82
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The maximum amount of credit that a bank may extend to all of its insiders is known as the ______________and is equal to 100 percent of its unimpaired capital and surplus.
Question 83
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On a written request from a member of the public, the bank must disclose the names of each of its executive officers and principal shareholders to whom the bank had aggregate credit outstanding at the end of the latest quarter that equaled or exceeded:
Question 84
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Record keeping requirements-12 CFR 215.8 elaborates that:
Question 85
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Debt Cancellation Contracts and Debt Suspension Agreements coverage includes:
Question 86
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________________is defined as every aspect of an applicant's dealing with a creditor, beginning with information gathering and continuing through to the servicing and collection of the loan.
Question 87
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In Processing and evaluating applications---12 CFR 202.6, protected income part is also under discussion. Which of the following considerations is NOT its part?
Question 88
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Credit scoring systems:
Question 89
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Federal regulations define special-purpose credit-12 CFR 202.8 to include:
Question 90
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These are the definitions of _____________: The refusal to grant credit in substantially the amount or on substantially the terms requested in an application (and the applicant uses or expressly accepts the credit offered) A termination of the account or an unfavorable change in the terms of an account, unless the change affects substantially all of the lender's accounts of that type.A refusal to increase the amount of credit available to an applicant who has made an application for an increase
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