最新的IFPUG CERTIFIED REGULATORY COMPLIANCE MANAGER (CRCM) - CRCM免費考試真題

A. Penalties up to $37,500 per day if violations or unsafe or unsound practices are engaged in recklessly or are part of a pattern of misconduct that causes more than a minimal loss to the bank or any pecuniary gain to the parties involved

B. Penalties up to $9,500 per day for violations of laws and regulations

C. Penalties up to $1,375,000 per day against persons who knowingly commit a violation and knowingly or recklessly cause a substantial loss to the bank or a substantial benefit to the party

D. Penalties up to $8,500 per day for violations of laws and regulations

A. Over 3 percentage points

B. Over 7 percentage points and when the loan is subject to the Home Ownership and Equity Protection Act

C. Less than 8 percentage points but greater than 5 percentage points

D. Over 5 percentage points

A. Regulatory agencies will continue to focus on risk management review and consumer compliance processes

B. Agencies will continue to take action against institutions
that violate consumer protection laws or fair lending laws or that engages
in unfair or deceptive acts or practices or in unsafe or unsound lending practices

C. Applicability of prepayment penalties

D. Hiring and Training of personnel

A. Twenty-five months from consummation

B. Five years following consummation of the lease

C. Two years after the disclosures are made

D. One year from the time the disclosures are made

A. Non-affiliated

B. Re-disclosure

C. Both B and C

D. Opt-out

A. A bank that operates an investment department to provide investment advice and purchase and sell all types of securities (including government securities) for clients

B. A national bank that purchases and sells government securities only in its fiduciary capacity on behalf of clients in its trust department

C. A bank that operates a financial advisory service that provides advice to clients on the purchase and sale of government securities

D. A bank that operates a securities underwriting department to provide underwriting services to issuers of government securities

A. Individual condominiums

B. Timeshares

C. Single family dwellings

D. Mobile homes not attached to real property

A. The bank must have its loan application and disclosures translated into Braille.

B. The bank may have a loan assistant read each loan application and disclosure document to the applicant and assist in completion of the forms.

C. The bank may require the applicant to bring a sighted friend or relative to the bank to assist in completing the application.

D. The bank may make a policy not to lend money to blind persons.

A. Disclosures regarding required insurance

B. A statement that the transaction is not a loan

C. The bank's policy regarding the purchase of the property by the lessee

D. The total amount due at consummation or delivery, the number of payments required, and any required security deposit

A. No. First National should have Manufacturing Company, InC. , sign a statement accepting full responsibility for the establishment of the shell corporation.

B. No. The transaction is now not subject to Department of Commerce regulations because the beneficiary is not a U.S. company.

C. No. The transaction is set up to evade the regulation, but First National Bank is not liable because Manufacturing Company, In , actually effected the transaction.

D. Yes. The transaction is set up to evade the regulation and First National Bank is liable.

A. Tamper-resistant locks on exterior windows and doors

B. Bullet-proof glass at all windows

C. Vault door made of steel that is at least 3 inches thick

D. Full-time security guard

A. Contact the SIC to determine if the certificate was reported as lost, counterfeit, or stolen

B. Retain the original certificate in the branch vault for the term of the loan

C. Record the certificate information and give the original back to the customer

D. Retain a copy of the certificate in the loan file

A. Inquire about a disability when offering a job provided the disability is related to the job requirements

B. Refuse to make an accommodation for a disability if 50 persons or fewer are employed

C. Note the disability in the employee's file so that other managers will be aware of it when interviewing the employee for future position changes

D. Inquire about a disability if the disability is obvious to the interviewer at the time of the job interview

A. Never. Law enforcement must report

B. 10 business days

C. 90 calendar days

D. 1 business day