NACCC CFC 90 Practice Questions 2024 Actual Questions and Verified Answers (2024 / 2025) A+ Grade 100% Guarantee Verified by Experts
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NACCC CFC
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NACCC CFC
NACCC CFC 90 Practice Questions 2024 Actual Questions and Verified Answers (2024 / 2025) A+ Grade 100% Guarantee Verified by Experts When a counselor is insensitive to cultural differences, he/she is exhibit- ing
a) congruence
b) cultural disclosure
c) cultural encapsulation
d) multicultural en...
NACCC CFC 90 Practice Questions.pdf file:///C:/Users/HP/Desktop/New%20folder/NACCC%20CFC%2090
NACCC CFC 90 Practice Questions & Verified
Answers
1. 1) When a counselor is insensitive to cultural differences, he/she is exhibit- ing
a) congruence
b) cultural disclosure
c) cultural encapsulation
d) multicultural enhancement
Answer : c) cultural encapsulation
2. 2) According to The Fair Credit Billing Act, a consumer has days after
receipt of a bill to dispute it in letter form.
a) 30
b) 60
c) 90
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d) 120
Answer : b) 60
3. 3) The most important factor banks consider when establishing a credit limit is
a) competition from other lenders
b) the Truth in Lending Act
c) the consumer's credit rating
d) the nuisance fees
Answer : c) the consumer's credit rating
4. 4) Counselors can best facilitate the client's problem solving when they
a) are specific about the problem-solving steps that were skipped
b) understand where the client is in the process
c) get the client to admit to mistakes
d) can create acceptable goals for the client
Answer : b) understand where the client is in the process
5. 5) When conducting a counseling interview over the phone, using non-ver- bal
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feedback such as nodding and hand gestures helps the counselor
a) make calculations
b) control angry clients
c) with the flow of vocal delivery
d) speak more clearly
Answer : c) with the flow of vocal delivery
6. 6) Nathan, who has been a credit counselor for three years, is very good at convincing
clients to adopt a particular debt management program. Recently, a client told him "You
seem to communicate in a way that makes me feel comfortable, in charge, and confident
of my decision. I don't feel pressured." What type of communication is Nathan using
when he does this?
a) expressive
b) confirming
c) non-verbal
d) persuasive
Answer : d) persuasive
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7. 7) Which law was passed to protect debtors from harassment and unrea- sonable
treatment?
a) The Equal Credit Opportunity Act
b) The Fair Debt Collection Practices Act
c) The Truth In Lending Act
d) The Fair Credit Reporting Act
Answer : b) The Fair Debt Collection Practices Act
8. 8) The first question a consumer should ask when prioritizing a payment schedule
is:
a) Which debts are secured or unsecured?
b) Can I move debt easily to another credit card?
c) Can I keep my credit cards if I file bankruptcy?
d) Which debts can be ignored with little trouble?
Answer : a) Which debts are secured or unsecured?
9. 9) One characteristic of predatory lending is:
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