What is the fcra - Study guides, Class notes & Summaries
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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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SAFE MLO Exam Questions and Answers Best rated A+ Guaranteed Success Latest Update 2024
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AARMR stands for - American Association of Residential Mortgage Regulations 
AML - Anti-Money Laundering 
Blockbusting - Illegal practice of inducing homeowners to sell their properties cheaply by telling 
them that a certain people of a certain race, national origin or religion are moving into the area, and 
thus profiting by reselling at a higher price 
CC&R - covenants, conditions, and restrictions 
CFPB - The Consumer Financial Protective Bureau - an independent federal agency that holds 
pr...
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CIPP/US Sample Questions and Answers Graded A
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CIPP/US Sample Questions and Answers Graded A 
Which is the best description of the U.S. legal concept of "preemption"? 
A. States are prevented by federal law from passing any laws that regulate financial privacy. 
B. The superior government has the right to supersede the lesser governments' laws. 
C. State laws supersede federal law in certain areas, such as marketing. 
D. The EU General Data Protection Regulation (GDPR) takes precedence over U.S. law, federal or state. B. The superior gove...
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Texas Life Insurance Exam 2023/2024 Solved 100% Correct
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Texas Life Insurance Exam 2023/2024 Solved 
100% Correct 
Insurers that are unauthorized in a state can sell insurance that traditional insurers 
cannot cover. They are called - - answerExcess and surplus lines insurers. 
What legislation protects consumers from marketing and claims practices that are 
unethical? - answerThe Unfair Trade Practices Act. 
What role do Guaranty Associations serve in the insurance community? - 
answerThey protect consumers in the event an insurer becomes insolvent. ...
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MLO National Exam Questions And Answers Rated A+ New Update Assured Satisfaction
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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 
applicatio...
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USAA Auto Insurance Terms Exam Questions and Answers
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USAA Auto Insurance Terms Exam Questions and Answers 
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 ...
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Mortgage Exam 4 2024 with 100% complete solutions
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At what equity position does PMI automatically terminate on a conventional loan? correct answers22% 
 
A mortgage loan originators who uses his or her position with a mortgage broker to order a borrower's credit report is required to have which of the following before doing so? 
(A) The authorization by the borrower to order the credit report 
(B) To have completed a course covering both the mechanics and FCRA law governing the practice 
(C) The approval of the end lender who has the contract w...
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NMLS - Champion Test Questions and Answers Graded A 2024
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Which law regulates the activities of consumer reporting agencies and users of consumer credit reports? - FCRA 
 
Which agency manages the National Do Not Call Registry? - Federal Trade Commission 
 
Which act led to the Nationwide Mortgage Licensing System and Registry for the residential mortgage industry? - The SAFE Act 
 
Under ECOA, providing different terms of financing for a potential borrower who has poor credit scores due to a recent bankruptcy is considered? - Acceptable 
 
Which law s...
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WGU C961 Ethics in Technology Comprehensive Exam || All Questions & 100% Correct Answers (Rated A+)
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WGU C961 Ethics in Technology Comprehensive Exam || All Questions & 100% Correct Answers (Rated A+) 
WGU C961 Ethics in Technology Comprehensive Exam || All Questions & 100% Correct Answers (Rated A+) 
which systems gather data about individuals? - ANSWER - Tracking systems in videos, cookies, google location, facebook tags 
 
which action have the courts ruled in favor for (4th amendment) - ANSWER - without a reasonable expectation to privacy, there is no privacy right 
 
how does customer data...
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California Life Accident And Health Exam 2024.
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California Life Accident And Health Exam 2024. 
A 
ABC INSURANCE - Correct Answer-JOHN IS THE AGENT FOR ABC INSURANCE 
AND JANE IS THE INSURED. WHO IS THE PRINCIPAL IN THIS AGENCY 
RELATIONSHIP? 
A 
ABC INSURANCE 
B 
JOHN 
C 
JANE 
D 
NONE 
D 
ADMITTED - Correct Answer-A(N) ________ INSURER IS AUTHORIZED TO WRITE 
INSURANCE POLICIES IN A PARTICULAR STATE. 
A 
DOMESTIC 
B 
NON-ADMITTED 
C 
FOREIGN 
D 
ADMITTED 
B 
A PERSON WHO NEGOTIATES INSURANCE CONTRACTS ON BEHALF OF AN 
INSURED - Correct Answ...
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