CRCM 試験問題を無料オンラインアクセス

First State Bank, a state nonmember institution, plans to purchase a company that would be a financial subsidiary of the bank. First State will send a notice to the FDIC of its proposed acquisition. Of the following factors, which one would NOT be relevant to the FDIC's consideration of the bank's acquisition?

• A.First State Bank's asset size
• B.The impact of the acquisition on First State Bank's safety and soundness
• C.Whether First State Bank is well capitalized
• D.First State Bank's CRA rating

An electronic image of an item together with electronic information describing that item in an approved format will be considered a valid instrument. Common forms of instruments are the following EXCEPT:

• A.Checks: Drafts drawn on a bank and payable on demand
• B.Pay checks
• C.Noncash items: Items that a Reserve Bank classifies as requiring special handling
• D.Cash items: Checks or other items payable on demand and collectible at par and accepted at the Reserve Bank

On which of these loans does First National have to report the interest rate spread on its HMDA LAR?

• A.A home improvement loan secured by a principal dwelling
• B.A loan to renovate a rental property
• C.An unsecured loan to purchase an investment property
• D.A loan to remodel a 60-unit apartment complex

Which of the following are recommended practices In Avoiding Predatory and Abusive Lending Practices in Brokered and Purchased Loans-AL-2003-3?

• A.Verify that brokers and originators have established policies to ensure that loans will comply with all applicable laws
• B.Establish an effective management information system to monitor the performance of third-party brokers and originators
• C.All of the above
• D.Have written agreements with third-party brokers that specifically and clearly address the rights and responsibilities of each party. Written agreements should
  1.Ensure that no inappropriate compensation exists
  2.Provide for indemnification to the bank
  3.Enable banks to exit the arrangement through a termination procedure
  4.Provide for the bank's and the OCC's ability to access all records of the third party and to audit the third party's operations

A bank is considering canceling its agreement with a broker to which it currently leases space in its lobby. The new plan would include an agreement with a different broker, but bank employees would complete product sales. What should the compliance manager do FIRST?

• A.Obtain copies of SEC and NASD rules regarding nondeposit investment products
• B.Determine the additional compliance risk for the bank as a result of this change
• C.Establish a training plan for employees who will be selling the nondeposit investment products
• D.Establish a licensing program for bank employees