CRCM試験無料問題集（463題）「IFPUG CERTIFIED REGULATORY COMPLIANCE MANAGER (CRCM) 認定」

出題：1

In Consumer Leasing Act Content of non-segregated disclosures may be made separately or as part of another document (such as the lease agreement); however, other information cannot be stated,
used, or placed so as to mislead or confuse the consumer. Other disclosures include all of the following EXCEPT:

A. The lessee's right to an independent appraisal of the property if the lessee's liability at the end of the lease is based on the realized value of the leased property, and that the appraisal will be binding on all parties

B. A statement of maintenance responsibilities including the counter bank responsible and a description of the responsibility

C. A statement of the conditions under which the lessee or lessor may terminate the lease before the end of the lease term, along with the amount (or a description of the method of how the amount is determined) of any penalty or other charge for early termination

D. Whether the lessee has the option to purchase the leased property during the lease term and, if applicable, the purchase price (or method for determining it) and when the lessee may exercise it

正解：B 解答を投票する

出題：2

Which of the following is true regarding extensions of credit to executive officers,
directors, and principal shareholders?

A. Must be approved in advance by the board of directors if the aggregate credit is more than the greater of either $25,000 or 5 percent of the bank's capital and surplus, not exceeding $500,000

B. May not exceed $250,000 in the aggregate, regardless of approvals

C. Must be approved in advance by the board of directors if the credit is greater than $50,000 or 5 percent of the bank's capital and surplus

D. May not exceed $100,000 in the aggregate, regardless of approvals

正解：A 解答を投票する

出題：3

The BSA officer has just been notified by the chief operations officer that, due to a glitch in the bank's OFAC interdiction software, wires have been regularly transmitted to a bank on the SDN list. Based on the OFAC Enforcement Guidance, what should the BSA Officer do FIRST to attempt to mitigate any penalties?

A. Review the OFAC wire policies and procedures to determine how the errors occurred

B. Investigate the customer who sends these wires

C. Stop and hold all wires to the bank on the SDN list

D. Self-report the activity to OFAC

正解：C 解答を投票する

出題：4

Which of the following items is considered a low-quality asset?

A. An asset that will be transferred to the workout area within the next 60 days so that the terms can be renegotiated

B. An asset on which interest is past due 15 days

C. An asset in a nonaccrual status

D. None of the above

正解：C 解答を投票する

出題：5

For example on a 0-5 scale:

The risk trend shows the direction of risk and probable change to risk over the next 12 months. A trend toward increasing risk means that

A. Management may want to take additional action through more controls or increased reviews

B. Risk may prompt a decrease in controls and improved efficiencies

C. Controls currently in place are appropriate to succeed in keeping risks within management's established risk-tolerance level

D. Risk measurements exceed management's tolerance for risk

正解：A 解答を投票する

出題：6

Which of the following activities is permitted under ADA?

A. Requiring disabled depositors to use a teller window that is specially constructed for the use of disabled persons

B. Providing readers to visually impaired loan applicants for a $15 fee

C. Issuing a policy against making loans to health care providers who regularly work with infectious patients

D. Prohibiting smoking anywhere in the bank building

正解：D 解答を投票する

出題：7

Second National has decided to close one of its less profitable neighborhood branches. Which of the following actions is NOT required of the bank under federal law?

A. Publish a notice of the closing in the local newspaper

B. Send notices to the branch customers

C. Post a notice at the branch

D. Send a notice to its regulatory agency

正解：A 解答を投票する

出題：8

First National Bank made the following loans to Mr. James Wilson during the previous calendar year:
Loan A, made on February 2, is a loan for purchasing margin stock and is secured by margin stock
Loan B, made on March 15, is also for purchasing margin stock and is secured by margin stock
Loan C, made on June 30, is an unsecured loan for purchasing margin stock
Loan D, made on September 10, is for purchasing a car, secured by the car All the loans are still outstanding at the end of the year. Which of the loans must be combined for purposes of the margin requirements of Regulation U?

A. All of the loans must be combined

B. None of the loans must be combined

C. Loans A and B

D. Loans A, B, and C

正解：D 解答を投票する

出題：9

The sender's liability for warranties and indemnities that a Reserve Bank makes for a substitute check is subject to the following conditions and limitations EXCEPT:

A. The sender's liability under Regulation CC is not altered by the Regulation J provisions

B. A sender of an electronic item that is not a substitute check is not liable for any amount paid by a Reserve Bank that is attributable to the Reserve Bank's own lack of good faith or failure to exercise ordinary care

C. The sender of an original check is not liable for amounts paid by the Reserve Bank absent the sender's agreement to the contrary

D. Failure of sender to have authority to make the required warranties and agreements

正解：D 解答を投票する

出題：10

It is an extension of credit will be deemed to be made to an insider if the proceeds are transferred to the insider or used for the insider's benefit. This rule does not apply if the credit is made on substantially the same terms and conditions as those made to a non- insider and if the proceeds are used in a bona fide transaction involving the acquisition of property, goods, or services from the insider. What is it?

A. Lending restrictions

B. Extension of credit-12 CFR 215.3

C. Intangible economic-benefit rule

D. Tangible economic benefit rule012 CFR 215.3(f)

正解：D 解答を投票する

出題：11

Which of the following is the best method for a large bank to use in monitoring its CRA performance?

A. Perform a quarterly evaluation of the bank's loans-to-deposits ratio.

B. Perform a geographic analysis of lending levels and dispersion of loans.

C. Evaluate approval and denial rates for minority loan applicants.

D. Review the effectiveness of marketing materials.

正解：B 解答を投票する

出題：12

When developing a training plan for commercial lenders, which of the following regulations is least important to include?

A. Equal Credit Opportunity, FRS Regulation B

B. Loans to Executive Officers, Directors, and Principal Shareholders of Member Banks, FRS Regulation O

C. Home Mortgage Disclosure, FRS Regulation C

D. Truth in Lending Act, FRS Regulation Z

正解：D 解答を投票する

出題：13

ACME Bank has a separate page on its Web site where it describes insurance products, such as life insurance and health and disability insurance. The page invites consumers to call the bank officer in charge of selling these products.The Web site's lending page also describes consumer loans and uses the following phrase: "Have peace of mind-credit life and disability insurance are available on all consumer loans to qualified borrowers." Neither the insurance page nor the lending page mentions insured deposits. What does ACME need to do to make sure its Web site is in compliance?

A. Nothing. As long as the insurance products are segregated, the Web site is in compliance.

B. Create a separate Web site for all insurance products.

C. Place the advertising disclosures (not a deposit, not insured by the FDIC, and so on) on the insurance page.

D. Place the advertising disclosures on both the Web site's insurance page and its lending page.

正解：D 解答を投票する

出題：14

ACME National Bank has a Web site that lists the bank's products and services. On its consumer loan page it lists debt cancellation contracts as an available product. What other disclosure must the bank place on this Web page?

A. The short-form disclosures must be available by a conspicuous link on the page.

B. The short-form disclosures must be on the page.

C. None. Because it only lists the product, nothing else is required.

D. The long-form disclosures must be on the page.

正解：C 解答を投票する

出題：15

Which of the following relationships does NOT violate Regulation L?
Relationship A: First National Bank is located in the same city as an affiliate of First Savings and Loan. First National and the affiliate share a board member.
Relationship B: State Bank and an affiliate of First National Bank are located in the same RMSA but not in the same town. State Bank has assets of $60 million, and the affiliate has assets of $7 million. The two institutions share a board member.
Relationship C: Savings and Loan Association and Bank Holding Company do not have offices within the same RMSA. Bank Holding Company's assets are in excess of $1.75 billion, and Savings and Loan Association's assets are in excess of $2.5 billion. These institutions share a board member.

A. Relationship A

B. Relationship B

C. All the relationships violate Regulation L

D. Relationship C

正解：B 解答を投票する

CRCM試験無料問題集「IFPUG CERTIFIED REGULATORY COMPLIANCE MANAGER (CRCM) 認定」