Dear Readers,
Question 1: What is the main purpose of the Bank Holding Company Act?
(1) Combat money laundering
(2) Prevent discriminatory lending practices
(3) Regulate foreign exchange transactions
(4) Ensure fair competition among banks
(5) Facilitate international trade agreements
Ans: (4)
Question 2: Which federal agency is responsible for enforcing consumer protection laws related to financial products and services?
वित्तीय उत्पादों और सेवाओं से संबंधित उपभोक्ता संरक्षण कानूनों को लागू करने के लिए कौन सी संघीय एजेंसी जिम्मेदार है?
(1) Office of the Comptroller of the Currency (OCC)
(2) Federal Reserve
(3) Consumer Financial Protection Bureau (CFPB)
(4) Federal Deposit Insurance Corporation (FDIC)
(5) National Credit Union Administration (NCUA)
Ans: (3)
Question 3: What is the main goal of the Consumer Financial Protection Bureau (CFPB)?
उपभोक्ता वित्तीय संरक्षण ब्यूरो (सीएफपीबी) का मुख्य लक्ष्य क्या है?
(1) Regulate monetary policy
(2) Prevent money laundering
(3) Ensure fair competition among banks
(4) Promote international trade agreements
(5) Protect consumers in the financial marketplace
Ans: (5)
Question 4: What is the primary purpose of the Home Mortgage Disclosure Act (HMDA)?
गृह बंधक प्रकटीकरण अधिनियम (HMDA) का प्राथमिक उद्देश्य क्या है?
(1) Regulate credit card transactions
(2) Prevent money laundering
(3) Establish capital requirements for banks
(4) Ensure fair lending practices and transparency in mortgage lending
(5) Regulate interest rates on loans
Ans: (4)
Question 5: What is the main purpose of the Sarbanes-Oxley Act?
सर्बनेस-ऑक्सले अधिनियम का मुख्य उद्देश्य क्या है?
(1) Strengthen consumer protections
(2) Combat money laundering
(3) Ensure fair competition among banks
(4) Regulate foreign exchange transactions
(5) Enhance corporate governance and financial reporting
Ans: (5)
Question 6: Which act provides certain protections to consumers in connection with the collection of debts by third-party debt collectors?
कौन सा अधिनियम तीसरे पक्ष के ऋण संग्राहकों द्वारा ऋण की वसूली के संबंध में उपभोक्ताओं को कुछ सुरक्षा प्रदान करता है?
(1) Truth in Savings Act (TISA)
(2) Fair Credit Reporting Act (FCRA)
(3) Fair Debt Collection Practices Act (FDCPA)
(4) Equal Credit Opportunity Act (ECOA)
(5) Electronic Fund Transfer Act (EFTA)
Ans: (3)
Question 7: What type of law deals with the transfer of property as collateral for a loan?
किस प्रकार का कानून ऋण के लिए संपार्श्विक के रूप में संपत्ति के हस्तांतरण से संबंधित है?
(1) Bankruptcy law
(2) Real estate law
(3) Contract law
(4) Tort law
(5) Family law
Ans: (2)
Question 8: What is the primary goal of the Federal Reserve's monetary policy?
फेडरल रिजर्व की मौद्रिक नीति का प्राथमिक लक्ष्य क्या है?
(1) Regulate credit card transactions
(2) Combat money laundering
(3) Ensure fair competition among banks
(4) Control inflation and promote economic stability
(5) Regulate foreign exchange transactions
Ans: (4)
Question 9: Which law regulates the disclosure of consumer credit reports and sets guidelines for handling consumer credit information?
कौन सा कानून उपभोक्ता क्रेडिट रिपोर्ट के प्रकटीकरण को नियंत्रित करता है और उपभोक्ता क्रेडिट जानकारी को संभालने के लिए दिशानिर्देश निर्धारित करता है?
(1) Truth in Savings Act (TISA)
(2) Fair Credit Reporting Act (FCRA)
(3) Electronic Fund Transfer Act (EFTA)
(4) Equal Credit Opportunity Act (ECOA)
(5) Home Mortgage Disclosure Act (HMDA)
Ans: (2)
Question 10: What is the primary purpose of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA)?
वित्तीय संस्थान सुधार, पुनर्प्राप्ति और प्रवर्तन अधिनियम (FIRREA) का प्राथमिक उद्देश्य क्या है?
(1) Regulate credit card transactions
(2) Combat money laundering
(3) Ensure fair competition among banks
(4) Enhance the regulatory framework for financial institutions
(5) Regulate foreign exchange transactions
Ans: (4)
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MAHENDRA GURU