Câu 80: CRCM: Certified Regulatory Compliance Manager

Federal regulations define special-purpose credit-12 CFR 202.8 to include:

1. A. Any credit assistance program authorized by federal or state law for the benefit of an economically disadvantaged class of persons — đáp án hiện tại
2. B. Any credit assistance program offered by a not-for-profit organization for the benefit of its members or for the benefit of an economically disadvantaged class of person — đáp án hiện tại
3. C. A special-purpose credit program must not discriminate on a prohibited basis; however, it can require its participants to share a particular characteristic (such as race or sex) provided the requirement was not established to evade the requirements of the ECOA. If the participants must share a common characteristic, the bank may collect information on that characteristic to determine eligibility — đáp án hiện tại
4. D. If the program includes financial need as a criterion, the creditor can never request and consider information regarding the applicant