Exam CRCM topic 1 question 263 discussion

Under the Americans with Disabilities Act (ADA), businesses, including banks, are required to provide reasonable accommodations to individuals with disabilities to ensure equal access to services. In the case of visually impaired applicants, the bank can reasonably accommodate them by providing a loan assistant to read the loan application and disclosure documents to the applicant and assist in completing the forms. This accommodation is relatively low-cost and helps ensure accessibility without requiring extensive modifications or investments like translating documents into Braille. Options A, C, and D do not reflect appropriate actions under ADA regulations. Option A involves significant expense and may not be necessary for compliance. Option C places an unnecessary burden on the applicant to bring their own assistance. Option D constitutes discrimination based on disability, which is prohibited by the ADA.