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"E-Sign Act" is short for: A. The Electronic Signatures Legitimization Act B. The Electronic Signatures in Global and National Commerce Act C. The Electronic Safety of Giving Net Authorization Act D. The Electronic Safety in Global and National Transactions Act - B. The Electronic Signatures in Global and National Commerce Act "Equity" is defined as: A. The difference between the fair market value of a property and the current balances of any liens B. The difference between the appra...

FINA 365-Exam 1 with Latest Questions and Answers In economic collapse during the 1930s, the banking system in the U.S. performed directly or indirectly all financial services. Those functions included all of the following EXCEPT: A. commercial banking B. money market funds C. investment banking D. stock investing E. insurance services ANSWER B Depository financial institutions include all of the following EXCEPT: A. commercial banks B. savings banks C. investment banks D. cre...

Which area of finance deals with sources of funding and the capital structure of corporations and seeks to increase the value of a firm to its owners? Financial institutions Business finance Investments Real estate Business finance is the area of finance that deals with uses and sources of funding to increase the value of the firm. What are the main services offered by financial institutions? Accepting a wide variety of deposits, offering investment products, providing loans, and brokeri...

Champions Real Estate Finance Exam Review (Latest 2024/ 2025 Update) 100% Correct Questions and Verified Answers| Grade A Q: Monetary inflation When there is an excess of money supply in the market. Q: Demand Pull Inflation Answer: created when there is more money in the market & less goods for sale. Q: cost-plus inflation Answer: when the cost of production & offering services increase thereby causing manufacturers and trades people/vendors to raise their prices ac...

MBA CHAPTER 14 REVIEW PRACTICE QUIZ 2024. Of all the depository institutions, as a percentage of assets, credit unions rely the most on deposit sources of funds. True False - CORRECT ANSWER True The policy employed in the 1980s of not closing economically insolvent savings institutions was called regulatory forbearance. True False - CORRECT ANSWER True After deposits, the second largest source of funds at savings institutions is FHLB loans. True False - CORRECT ANSWER T...

FINRA SIE Exam Questions and Answers Latest Update Graded A+ What factor mainly affects the valuation of preferred stock in the market? Interest rates, as preferred stock functions like a fixed-income security with set payments. Its value is largely influenced by long-term interest rate movements. What features are associated with rights? Rights can be exercised, traded, or given as gifts. Which bonds are most likely to be called by the issuer when interest rates decrease? Prefer...

TABLEOF CONTENTS PART 1: Introduction Ch. 1 The Investment Environment Ch. 2 Asset Classes and Financial Instruments Ch. 3 How Securities Are Traded Ch. 4 Mutual Funds and Other Investment Companies PART 2: Portfolio Theory and Practice Ch. 5 Risk, Return, and the Historical Record Ch. 6 Capital Allocation to Risky Assets Ch. 7 Efficient Diversification Ch. 8 Index Models PART 3: Equilibrium in Capital Markets Ch. 9 The Capital Asset Pricing Model Ch. 10 Arbitrage Pricing Theory and ...

RESPA - ANSWER-Real Estate Settlement Procedures Act; Allows borrowers to receive pertinent and timely disclosure regarding the nature and costs of the real estate settlement (closing) process; Enacted in 1974, the law was originally proposed to add more transparency to costs associated with certain real estate transactions and to eliminate abusive practices, such as kickbacks, which artificially increase the cost of settlement services. When RESPA must be obeyed - ANSWER-When a loan is a f...

Champions Real Estate Finance Study Guide (Latest 2024/ 2025 Update) 100% Correct Questions and Verified Answers| Grade A Q: Supply and Demand an economic concept that states that the price of a good rises and falls depending on how many people want it and depending on how much of the good is available. Q: Funding Answer: The process of transferring funds to a title or escrow company for disbursement Q: The Safe Act Answer: Designed to enhance consumer protection ...

Which of the following is NOT a source of income for a bank? A. the interest earned by depositors B. investments C. loan income from interest D. fees for services - Answer-A The difference between what a bank pays in interest and what it receives in interest is called - Answer-Spread True or False: A Financial intermediary will not take a deposit for a consumer. - Answer-False Total assets minus total liabilities equals - Answer-Equity The loosening of government contro...