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IAPP CIPP/US Exam - Topic 2 Question 45 Discussion

Under the Fair Credit Reporting Act (FCRA), what must a person who is denied employment based upon his credit history receive?
C) Information from several consumer reporting agencies (CRAs).
A) A prompt notification from the employer.
B) An opportunity to reapply with the employer.
D) A list of rights from the Consumer Financial Protection Bureau (CFPB).

IAPP CIPP/US Exam - Topic 2 Question 45 Discussion

Actual exam question for IAPP's CIPP/US exam
Question #: 45
Topic #: 2
[All CIPP/US Questions]

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

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Suggested Answer: C

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

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Evan
7 months ago
Nope, they also get a list of rights from the CFPB.
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Shaun
7 months ago
Wait, is it really just a notification? Seems too simple.
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Hannah
7 months ago
I thought they also had to provide info from CRAs?
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Willis
8 months ago
Totally agree, it's important to know why you were denied!
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Arleen
8 months ago
They have to get a prompt notification from the employer.
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Willis
8 months ago
I honestly can't remember the details, but I thought there was something about getting a report from the CRAs. Could it be C?
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Felix
8 months ago
I feel like I read something about consumers needing to be informed about their rights, so I'm leaning towards D as well.
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Shizue
8 months ago
I remember practicing a question similar to this, and I think it had to do with the employer's obligations after a credit check. Maybe it's D?
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Royal
8 months ago
I think the answer might be A, but I'm not completely sure if there's something specific about the timing of the notification.
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Marget
9 months ago
This looks like a tricky XML question. I'll need to carefully review the schema and options to determine the correct XML snippet.
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Tyra
9 months ago
I think B is the key one here - creating a custom report with forecasting data will give users a really comprehensive view of their progress.
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Pansy
9 months ago
Oauth? Really? That's for authorization, not authentication. I don't think that's the right answer here. I'm leaning towards RADIUS, but I want to double-check the differences between the protocols just to be sure.
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Carry
9 months ago
I remember discussing that Fallback Timeout setting, but I'm not entirely sure if enabling Uplink failover is the right way to handle the primary interface coming back.
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Deangelo
9 months ago
Okay, I got this. The iRule checks the URI - if it ends with "txt", it goes to pool1, and if it ends with "php", it goes to pool2. So the answer is B, pool2.
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Lashawnda
1 year 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
1 year ago
C) Information from several consumer reporting agencies (CRAs).
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Mona
1 year ago
B) An opportunity to reapply with the employer.
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Marquetta
1 year ago
A) A prompt notification from the employer.
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Daniela
1 year 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
1 year 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
1 year ago
D) A list of rights from the Consumer Financial Protection Bureau (CFPB).
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Hollis
1 year ago
C) Information from several consumer reporting agencies (CRAs).
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Lavonda
1 year ago
B) An opportunity to reapply with the employer.
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Felton
1 year ago
A) A prompt notification from the employer.
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Carman
1 year ago
D) A list of rights from the Consumer Financial Protection Bureau (CFPB).
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Theodora
1 year ago
C) Information from several consumer reporting agencies (CRAs).
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Angelo
1 year ago
B) An opportunity to reapply with the employer.
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Dacia
1 year ago
A) A prompt notification from the employer.
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Lemuel
1 year ago
I believe the person should also receive a list of rights from the Consumer Financial Protection Bureau (CFPB).
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Florencia
1 year 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
1 year ago
Yes, the person should receive information from several consumer reporting agencies.
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Bong
1 year ago
I agree with Nobuko. It's important for the person to know why they were denied employment.
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Carrol
1 year 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
1 year ago
I think the person should receive a prompt notification from the employer.
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