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American Bankers Association CRCM Exam - Topic 9 Question 115 Discussion

Actual exam question for American Bankers Association's CRCM exam
Question #: 115
Topic #: 9
[All CRCM Questions]

Which of the following actions is NOT an adverse action?

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Suggested Answer: C

by Tiffiny at Aug 03, 2025, 05:07 AM

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Afton
2 months ago
A and B are also adverse actions for sure.
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Irene
2 months ago
D is definitely an adverse action, no doubt!
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Brianne
2 months ago
Wait, are you sure about that? Seems off.
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Bambi
3 months ago
Totally agree, C makes sense!
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Cammy
3 months ago
Option C is not an adverse action.
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Twana
3 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.
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Theodora
4 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?
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Hayley
4 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.
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Velda
4 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.
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Sean
4 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!
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Jestine
4 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.
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Malcolm
4 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.
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Tom
5 months 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.
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Devorah
5 months 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.
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Clement
5 months 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.
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Shawnee
2 months ago
Exactly! The lender just doesn’t offer that type.
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Germaine
2 months ago
I think so too! It’s just a policy issue.
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Han
2 months ago
Yeah, C is definitely not adverse.
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Anabel
3 months ago
I agree, C makes the most sense.
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Candida
6 months ago
Because refusing credit based on the type of credit requested seems like a valid reason.
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Jettie
7 months ago
Why do you think that?
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Candida
7 months ago
I think the answer is C.
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