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

（A）Validating the system to ensure it complies with regulatory restrictions

（B）Conducting a cost-benefit analysis to determine if the system is the best solution

（C）Developing training for tellers who will use the new system

（D）Setting parameters for what the system should review to determine the strength of the customer relationship

（A）A system that surveys insiders of First National annually and requires each insider to disclose his or her related interests

（B）A system that requires an annual survey of affiliate insiders

（C）A system in which the bank annually surveys all executive officers of First National and its affiliates to determine the insiders' related interests

（D）A system in which the bank asks all borrowers as loans are made whether the borrower is a related interest of an insider

（A）Mammoth Enterprises is a U.S. corporation primarily in the investment banking business.

（B）Mammoth Corporation is a U.S. corporation trading on the American Stock Exchange.

（C）Mammoth Corporation is a U.S. corporation with unlisted stock.

（D）Mammoth Corporation is a London corporation, trading on the London Stock Exchange.

（A）Penalties up to $47,500 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 $7,500 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 $6,500 per day for violations of laws and regulations

（A）Never authorizes the Reserve Bank to handle the item based on this regulation and the Reserve Bank's circulars

（B）Warrants to each Reserve Bank handling the item that it has good title, that it is entitled to enforce the item, that the item has not been materially altered, and that the item bears all endorsements applied by parties that previously handled the item in paper or electronic form

（C）The sender makes all of the warranties set forth in the Uniform Commercial Code (UCC) as if the item were subject to the UCC and makes all of the Regulation CC warranties as if the electronic item were a paper item subject to that regulation

（D）Warranties for electronic items that are substitute checks

（A）To any customer, other than a broker or dealer, to temporarily finance the purchase or sale of securities for prompt delivery, if the credit is to be repaid in the ordinary course of business on the completion of the transaction

（B）To a qualified employee stock ownership plan running previously but not now

（C）To enable a customer to meet emergency expenses not reasonably foreseen and if the bank obtains a good faith statement from the customer. Emergency expenses are ones related to unforeseen death or disability, not a chance to make a profit.

（D）To a bank auditor

（A）Only give disclosures to persons who actually purchase the insurance.

（B）Give each customer the disclosures orally at the time of application and, if applicable, in writing at loan closing.

（C）Place a sign on loan officers' desks that provides the disclosures and give each customer a written disclosure it loan closing.

（D）Only a written disclosure at closing is necessary.

（A）Underwriter loans

（B）Temporary advances in payment against delivery transactions

（C）Capital contribution leases

（D）Credit to clearing banking authorities

（A）Relationship B

（B）Relationship C

（C）All the relationships violate Regulation L

（D）Relationship A

（A）Securitization

（B）Subprime loans

（C）Loan flipping

（D）Loan refinancing

（A）It is hard for tellers to handle so many types of products.

（B）It is difficult for many people to get an insurance license.

（C）It is hard to physically separate insured deposit products from insurance products.

（D）Tellers should not be rewarded only when the referral results in a sale.

（A）A loan made to purchase margin stock

（B）A loan made to purchase margin stock and secured by margin stock

（C）A loan secured by stock (either margin or nonmargin)

（D）A loan secured by margin stock

（A）Stock traded on a national securities exchange

（B）Warrants to purchase margin stock

（C）Debt securities convertible to margin stock

（D）Nonmargin stock convertible to margin stock

（A）A creditor may ask for the signature of the applicant's spouse if the applicant is not creditworthy.

（B）A creditor may ask the applicant to withdraw the application if it does not meet the creditor's credit standards.

（C）A creditor may require another signature if the applicant relies on jointly owned property to establish creditworthiness.

（D）A creditor may never require the signature of another person.

（A）That should be between 2-5 in comparison to normal

（B）That are 1(1/2) to 3 times greater than normal

（C）That are 1(1/2) to 5 times greater than normal

（D）That are 1(1/2) to 3 times lower than normal

（A）The value of all collateral securing all purpose loans will be aggregated to determine if it is sufficient

（B）If unsecured purpose credit is extended before secured purpose credit, the loans need only be combined for purposes of applying the withdrawal and substitution rules

（C）All purpose credit extended to a customer will be considered to be a single credit for purposes of Regulation U

（D）All of the above