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Exam CRCM topic 1 question 204 discussion

Actual exam question from ABA's CRCM
Question #: 204
Topic #: 1
[All CRCM Questions]

The institution need not provisionally credit the consumer's account if it requires but does not receive written confirmation of oral notice of error or if the error involves an account subject to the margin requirements of ______________.

  • A. Regulation T
  • B. Regulation X
  • C. Regulation Z
  • D. Regulation E
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Suggested Answer: A 🗳️

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Cam22
4 months ago
Selected Answer: A
The correct answer is A. Regulation T. Regulation T governs the extension of credit by brokers and dealers, including requirements related to margin accounts. If the error involves an account subject to the margin requirements of Regulation T, the institution may not be required to provisionally credit the consumer's account during the investigation of the reported error. This is an exception to the general rule under Regulation E, which typically requires financial institutions to provisionally credit a consumer's account while investigating a reported error in an electronic fund transfer.
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