Question 5 Which one of the following agencies can produce for a subscribing member, almost instantaneously, a report about your past and present credit activity?A.federal reserve bank in your districtB.consumer sentinel networkC.federal trade commissionD.public assistance officeE.credit bureau Question 10 Mohammad Ishaque has checked his credit report and believes there is an error in it. Which consumer protection law specifies that he has the right to have errors in his credit report investigated?A.Fair Credit Reporting Act B.Fair Credit Billing Act C.Equal Credit Opportunity Act D.Fair Debt Collection Practices Act E.Truth in Lending Act Question 12 Float can be defined as:A.the interest charged during one billing period. B.the principal balance due on a loan. C.a home equity loan. D.a period of time during which no interest is charged. E.a lump-sum loan from a credit union. Question 13 Which federal law, passed in 1969, requires creditors to state the cost of borrowing in common language?A.Fair Credit Reporting Act B.Fair Credit Billing Act C.Equal Credit Opportunity Act D.Fair Debt Collection Practices Act E.Truth in Lending Act Question 16 If you find that you cannot make your payments, the first thing you should do is:A.skip town. B.declare personal bankruptcy. C.borrow from a loan shark to make the payment. D.let the borrower go to a collection agency. E.contact your creditors and try to work out a modified payment plan with them. Question 20 Which form of bankruptcy allows a debtor with a regular income to extinguish his or her debts from future earnings or other property over a period of time?A.Chapter 7 B.Chapter 11 C.Chapter 13 D.Chapter 15 E.Chapter 17
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