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Which of the following actions is NOT an adverse action?
Suggested Answer: C
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22 comments · newest first
AF
Afton
9 months ago
A and B are also adverse actions for sure.
IR
Irene
9 months ago
D is definitely an adverse action, no doubt!
BR
Brianne
9 months ago
Wait, are you sure about that? Seems off.
BA
Bambi
10 months ago
Totally agree, C makes sense!
CA
Cammy
11 months ago
Option C is not an adverse action.
TW
Twana
11 months ago
I’m leaning towards D being the right answer because it seems like just a normal decision on an existing account rather than an adverse action.
TH
Theodora
11 months ago
I'm a bit confused. I thought all refusals were adverse actions, but maybe there's an exception for the type of credit offered?
HA
Hayley
11 months ago
I feel like I saw a similar question in our practice tests, and I think the answer might be C, since it's about not offering a type of credit.
VE
Velda
11 months ago
I think I remember that adverse actions are generally related to credit decisions, but I'm not sure which one doesn't count as one.
SE
Sean
12 months ago
I'm pretty confident the answer is C. Refusing to grant credit that the lender doesn't even offer doesn't seem like it would qualify as an adverse action under the regulations. Gotta apply that legal knowledge!
JE
Jestine
12 months ago
Okay, let me think this through. Adverse actions are things like denying credit, terminating an account, or offering less favorable terms. So C seems like the right answer since it's just the lender saying they don't offer that type of credit.
MA
Malcolm
12 months ago
Hmm, I'm a bit unsure about this one. I'll need to review the definition of "adverse action" to make sure I understand the key criteria. Gotta be careful on these tricky legal questions.
TO
Tom
1 year ago
This question seems straightforward, I think the answer is C. Refusal to grant credit on the grounds that the lender does not offer the type of credit requested is not an adverse action.
DE
Devorah
1 year ago
Hmm, I'm not sure about this one. They all seem like adverse actions to me. I guess I'll go with C just because it sounds the least bad, but I'm not totally confident.
CL
Clement
1 year ago
I think the correct answer is C. Refusal to grant credit on the grounds that the lender does not offer the type of credit requested. The question is asking for the action that is not considered an adverse action, and C seems to be the only one that fits that criteria.
SH
Shawnee
10 months ago
Exactly! The lender just doesn’t offer that type.
GE
Germaine
10 months ago
I think so too! It’s just a policy issue.
HA
Han
10 months ago
Yeah, C is definitely not adverse.
AN
Anabel
10 months ago
I agree, C makes the most sense.
CA
Candida
1 year ago
Because refusing credit based on the type of credit requested seems like a valid reason.
JE
Jettie
1 year ago
Why do you think that?
CA
Candida
1 year ago
I think the answer is C.