最新IFPUG Certifications CRCM考試題庫，IFPUG CRCM課程的擬真試題下載

問題1
In Processing and evaluating applications-12 CFR 202.6, protected income part is also under discussion. Which of the following considerations is NOT its part?

A. Can discount or refuse to consider the following: Part-time income Annuities Pensions Retirement benefits Alimony, child support, and separate maintenance payments to the extent they are likely to be consistently made

B. Public assistance income may not consider whether an applicant's income is from a public assistance source

C. Public assistance income may consider as it relates to another pertinent element of creditworthiness

D. May consider length of time public assistance income will be received, whether the applicant will continue to qualify for the income, and whether the income can be garnished

正確答案: A

問題2
Which of the following does an extension of credit NOT include?

A. The making or renewal of any loan or granting of a line of credit

B. An acquisition of a note on which an insider is a maker, drawer, or guarantor

C. An advance by means of an overdraft or cash item

D. An advance against accrued salary

正確答案: D

問題3
In which of the following cases is a branch closing notice required?

A. Bank E is closing its near-town facility because of its outmoded building and equipment. Bank E has commissioned a study from a local development center to determine if it is feasible to re-open its branch in the future.

B. Bank B and Bank C merge. Each has a branch in the near-town neighborhood. The merged organization is closing the branch that was formerly Bank B and merging it into the branch that was formerly Bank C.

C. Bank D is closing its drive-through facilities in its near-town neighborhood branch, although its regular facility is remaining.

D. Bank A decides to stop cashing checks for noncustomers at its neighborhood branch.

正確答案: A

問題4
Which of the following bank products is NOT subject to the disclosure provisions of the Interagency Statement on Retail Sales of Nondeposit Investment Products?

A. Variable-rate savings accounts

B. Mutual funds

C. Variable-rate annuities

D. Fixed-rate annuities

正確答案: A

問題5
Which of the following is an accurate statement according to the requirements of the customer identification program regulations?

A. A bank must always require documentary verification of a customer's identification

B. A bank may waive any part of the CIP requirements if senior management approves the waiver and there is a good cause

C. The bank's CIP program must enable it to form a reasonable belief about the identity of the person

D. A physical address or a post office box is acceptable for any new customer

正確答案: C

問題6
James Walker DBA Walker Enterprises has been a customer of the bank for one month. The company told the bank that it would regularly make deposits in excess of $10,000 because it operates several laundromats in the city. The bank performed a background check on the company before opening the account.
For its first 30 days, the company made 12 large cash deposits. Can the bank exempt this company now? Why or why not?

A. No. It is a not a corporation, but a sole proprietorship.

B. Yes. The bank conducted due diligence on the customer to determine that it had legitimate large cash transactions.

C. No. It operates an ineligible business.

D. No. It has not maintained an account at the bank for 12 months.

正確答案: B

問題7
Of the following loans made by a national bank, which loan is NOT covered by the OCC ARM regulation?

A. A loan to purchase a single-family dwelling to be used as a residence, secured by the dwelling with an adjustable interest rate

B. A loan made to purchase an eight-unit apartment complex, secured by the building, made payable on demand with a variable rate of interest

C. A loan made to purchase a duplex, secured by the dwelling, amortized over 15 years with a 5-year maturity, at a variable rate of interest

D. A loan made to purchase a mobile home to be used as rental property, secured by the home with a variable interest rate

正確答案: B

問題8
For which of the following is a bank most likely to be in danger of receiving a cease and desist order?

A. Failure to document AML training to its part-time clerical employees

B. Failure to file suspicious activity reports

C. A 2 percent error rate on the bank's CTRs

D. Repetition in a BSA examination of a noncritical deficiency reported in a previous BSA examination

正確答案: B

問題9
Following institutions comes under the heading of:
Institutions subject to the commodity Futures Trading Commission
The Federal Agriculture Mortgage Corporation or institutions charted and operating under the Farm credit Act
Institutions charted by Congress to engage in securitizations, secondary market sales, or similar transactions, provided that the institution does not sell or transfer nonpublic personal information to nonaffiliated third parties

A. Regulatory authorities

B. Non-financial institutions

C. Financial institutions

D. Consumers

正確答案: B

問題10
First National Bankshares, Inc., a bank holding company, held substantially all of the voting stock of an equipment manufacturing corporation as collateral for a loan to the owner. On May 15 the borrower defaulted and on September 1, after proper notice was given, the bank foreclosed its security interest on the stock and exercised its rights to vote the stock at appropriate times. On December 31 the bank transferred the stock to a subsidiary corporation, FNB, Inc., to market the stock for sale more effectively. What is the longest time period that FNB, Inc., can possibly hold the stock?

A. Up to two years from December 31

B. Up to five years from December 31

C. Up to two years from September 1

D. Up to five years from September 1

正確答案: D

問題11
Country A (a foreign country that is boycotting Country B, another foreign country) has ordered goods from ABC, a U.S. corporation. Country A has opened a letter of credit with Overseas, Inc. , a foreign bank. The letter of credit specifies that ABC must certify that it does not do business with Country B.
Overseas, InC. , sends a telegram to First National Bank, a U.S. bank, stating the major terms and conditions of the letter of credit and asking First National Bank to confirm the letter of credit. The telegram does not state the boycott provisions. Overseas mails the letter of credit to First National Bank and asks First National Bank to confirm it. What may First National Bank do?

A. First National Bank may do nothing but return the letter of credit to the issuing bank and report to the IRS.

B. First National Bank must confirm it if it previously agreed to do so.

C. First National Bank must confirm the letter of credit but should also report it to the Department of Commerce.

D. First National Bank may advise ABC of the letter of credit and administer its disposal, but may not confirm it and must report it to the Department of Commerce and the IRS.

正確答案: D

問題12
Which of the following sources is the least desirable to use when monitoring a correspondent bank's capital?

A. A national rating agency's report on the correspondent bank

B. A national newspaper's story on the correspondent bank's financial condition

C. The correspondent bank's annual report to shareholders

D. The correspondent bank's own call report

正確答案: B

問題13
Which of the following transactions requires completion of FinCEN Form 104, a CTR?

A. Cashing of a $14,000 check for a customer

B. Deposit of checks totaling $12,000 to a checking account

C. Cash purchase of a cashier's check for $7,800

D. Cash withdrawal of $3,000 from a checking account

正確答案: A

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