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Exam CRCM topic 1 question 242 discussion

Actual exam question from ABA's CRCM
Question #: 242
Topic #: 1
[All CRCM Questions]

On which of the following loans must a bank maintain records under the Bank Secrecy Act?

  • A. All loans exceeding $5,000 and secured by real property
  • B. All loans exceeding $5,000, but not secured by real property
  • C. All loans exceeding $10,000 and secured by real property
  • D. All loans exceeding $10,000, but not secured by real property
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Suggested Answer: D 🗳️

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Cam22
4 months ago
Selected Answer: D
Under the Bank Secrecy Act (BSA), banks are required to maintain records of certain transactions, including loans. Specifically, banks must maintain records of all loans exceeding $10,000, regardless of whether they are secured by real property or not. This requirement helps to ensure transparency and facilitate the monitoring of potential financial crimes such as money laundering.
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