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Exam CRCM topic 1 question 99 discussion

Actual exam question from ABA's CRCM
Question #: 99
Topic #: 1
[All CRCM Questions]

The OCC recommends all but one of the following actions to help prevent a national bank's purchasing or acquiring predatory or abusive loans. Which practice is
NOT recommended?

  • A. Establish policies on the bank's relationship with third-party brokers and originators
  • B. Review loan documentation
  • C. Audit the third-party broker
  • D. Require the broker to establish a reserve account for legal contingencies
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Suggested Answer: D 🗳️

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Cam22
4 months ago
Selected Answer: D
he OCC (Office of the Comptroller of the Currency) recommends several actions to help prevent a national bank from purchasing or acquiring predatory or abusive loans. However, requiring the broker to establish a reserve account for legal contingencies is not among the recommended practices. The other options, including establishing policies on the bank's relationship with third-party brokers and originators, reviewing loan documentation, and auditing the third-party broker, are all recommended by the OCC to prevent the acquisition of predatory or abusive loans.
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