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Exam CRCM topic 1 question 43 discussion

Actual exam question from ABA's CRCM
Question #: 43
Topic #: 1
[All CRCM Questions]

Under Renegotiations, extensions, and assumptions-12 CFR 213.5; any lease that is renegotiated or extended by longer than six months is considered to be a new lease, subject to new disclosure requirements, except when:

  • A. One or more payments are deferred, whether or not there is a charge for the deferral
  • B. Lease property is substituted with property of substantially equivalent or greater value, if no other lease terms are changed
  • C. In a multiple-item lease, property is added, deleted, or substituted provided the average periodic payment does not change by more than 35 percent
  • D. There is an agreement resulting from a pre-order
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Suggested Answer: AB 🗳️

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Cam22
4 months ago
Selected Answer: B
This option correctly identifies an exception to the rule that a lease renegotiated or extended for longer than six months is considered a new lease requiring new disclosures. If the lease property is substituted with property of substantially equivalent or greater value and no other lease terms are changed, the transaction does not trigger new disclosure requirements under the regulation.
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