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Exam CRCM topic 1 question 39 discussion

Actual exam question from ABA's CRCM
Question #: 39
Topic #: 1
[All CRCM Questions]

Content of segregated disclosures in Consumer Leasing Act include all of the following
EXCEPT:

  • A. Amount due at lease signing or delivery, itemized by type and amount, including: Refundable security deposit Advance monthly or other periodic payment Capitalized cost reduction An itemization of how the amount due will be paid, by type and amount (only required in a motor vehicle lease), using the model form
  • B. Number, amount, and due date of payments scheduled and the total amount of periodic payments
  • C. In an open-end lease, the descriptive statement "You will owe an additional amount if the actual value of the vehicle is less than the residual value"
  • D. If there are multiple items of property, the property description may be separate
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Suggested Answer: D 🗳️

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Cam22
4 months ago
This option is not listed among the specific requirements for segregated disclosures under the Consumer Leasing Act and its implementing Regulation M. The Act and Regulation focus more on financial terms and conditions of the lease rather than the detailed description of the leased property, especially in the context of how property descriptions are handled when there are multiple items.
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