Question 1

What consumer protection did the Fair and Accurate Credit Transactions Act (FACTA) require?

Options :

A : The ability for the consumer to correct inaccurate credit report information

B : The truncation of account numbers on credit card receipts

C : The right to request removal from e-mail lists

D : Consumer notice when third-party data is used to make an adverse decision

Answer: A

Question 2

Which statement is FALSE regarding the provisions of the Employee Polygraph Protection Act of 1988 (EPPA)?

Options :

A : The EPPA requires that employers post essential information about the Act in a conspicuous location

B : The EPPA includes an exception that allows polygraph tests in professions in which employee honesty is necessary for public safety.

C : Employers are prohibited from administering psychological testing based on personality traits such as honesty, preferences or habits.

D : Employers involved in the manufacture of controlled substances may terminate employees based on polygraph results if other evidence exists

Answer: C

Question 3

Mega Corp. is a U.S.-based business with employees in California, Virginia, and Colorado. Which of the following must Mega Corp. comply with in regard to its human resources data?

Options :

A : California Privacy Rights Act.

B : California Privacy Rights Act and Virginia Consumer Data Protection Act.

C : California Privacy Rights Act and Colorado Privacy Act.

D : California Privacy Rights Act, Virginia Consumer Data Protection Act, and Colorado Privacy Act.

Answer: D

Question 4

Which jurisdiction must courts have in order to hear a particular case?

Options :

A : Subject matter jurisdiction and regulatory jurisdiction

B : Subject matter jurisdiction and professional jurisdiction

C : Personal jurisdiction and subject matter jurisdiction

D : Personal jurisdiction and professional jurisdiction

Answer: C

Question 5

Under the Fair Credit Reporting Act (FCRA), what must a person who is denied employment based upon his credit history receive?

Options :

A : A prompt notification from the employer

B : An opportunity to reapply with the employer.

C : Information from several consumer reporting agencies (CRAs).

D : A list of rights from the Consumer Financial Protection Bureau (CFPB).

Answer: A

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