IAPP Exam CIPP/US Topic 2 Question 45 Discussion

Actual exam question for IAPP's CIPP/US exam

Question #: 45
Topic #: 2

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

AA prompt notification from the employer.

BAn opportunity to reapply with the employer.

CInformation from several consumer reporting agencies (CRAs).

DA list of rights from the Consumer Financial Protection Bureau (CFPB).

Show Suggested Answer

Suggested Answer: C

by Maurine at Aug 09, 2023, 05:51 AM

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Lashawnda

4 months ago

I'm just hoping my credit score is good enough to even get to this stage of the hiring process!

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Leila

2 months ago

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

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Mona

3 months ago

B) An opportunity to reapply with the employer.

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Marquetta

3 months ago

A) A prompt notification from the employer.

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Daniela

4 months ago

Hmm, I'm torn between B and C. Maybe they should get both - a chance to reapply and info from the CRAs.

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Joesph

4 months ago

D sounds like the right choice to me. The person should get a list of their rights from the CFPB, which oversees the FCRA.

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Francis

2 months ago

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

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Hollis

2 months ago

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

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Lavonda

3 months ago

B) An opportunity to reapply with the employer.

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Felton

3 months ago

A) A prompt notification from the employer.

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Carman

3 months ago

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

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Theodora

3 months ago

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

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Angelo

3 months ago

B) An opportunity to reapply with the employer.

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Dacia

4 months ago

A) A prompt notification from the employer.

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Lemuel

4 months ago

I believe the person should also receive a list of rights from the Consumer Financial Protection Bureau (CFPB).

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Florencia

4 months ago

I think C is the correct answer. The person should receive information from multiple consumer reporting agencies, not just the employer's decision.

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Helga

4 months ago

Yes, the person should receive information from several consumer reporting agencies.

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Bong

4 months ago

I agree with Nobuko. It's important for the person to know why they were denied employment.

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Carrol

4 months ago

Option A seems like the most straightforward answer. The employer should provide prompt notification if they're denying employment based on credit history.

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Nobuko

4 months ago

I think the person should receive a prompt notification from the employer.

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