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ICMA FMFQ Exam - Topic 3 Question 84 Discussion

Facilitating a movement of funds directly from lenders to borrowers is a definition of which the following?
B) Disintermediation
A) Credit banking
C) Leveraged finance
D) Private banking

ICMA FMFQ Exam - Topic 3 Question 84 Discussion

Actual exam question for ICMA's FMFQ exam
Question #: 84
Topic #: 3
[All FMFQ Questions]

Facilitating a movement of funds directly from lenders to borrowers is a definition of which the following?

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Suggested Answer: B

by Yoko at Aug 01, 2025, 12:38 PM

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Lashawna
9 months ago
Private banking doesn't fit here at all.
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Nickole
9 months ago
I thought it was credit banking?
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Maxima
9 months ago
No way, it's leveraged finance!
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Sue
10 months ago
Wait, really? I didn't know that!
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Emily
10 months ago
That's definitely disintermediation!
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Markus
10 months ago
Private banking seems more about individual wealth management, so I don't think that's it. But I'm still torn between A and B.
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Jody
10 months ago
I feel like I've seen a similar question before, and it was about how funds move without banks. That makes me lean towards B as well.
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Jillian
11 months ago
I'm not entirely sure, but I remember something about credit banking being related to lenders and borrowers directly.
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Roxane
11 months ago
I think the answer might be B, disintermediation, since it involves removing intermediaries in the lending process.
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Annalee
11 months ago
I'm a little confused by the wording of this question. What exactly do they mean by "facilitating a movement of funds directly"? I want to make sure I fully understand before selecting an answer.
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Cora
11 months ago
Okay, I've got this. Disintermediation is the key term here - it means cutting out the middleman, so that's definitely the right answer. B is the way to go.
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Erick
11 months ago
Hmm, I'm not totally sure about this one. The options all sound kind of similar to me. I'll have to think it through carefully and review my notes before deciding.
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Karol
11 months ago
This question seems pretty straightforward. I think the answer is B - Disintermediation, since that's the process of facilitating direct lending between lenders and borrowers without an intermediary.
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Myong
12 months ago
A) Credit banking? More like 'credit stinking' if you ask me! B) Disintermediation is clearly the way to go here.
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Graham
12 months ago
I'm not sure, but I think it's private banking.
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Irma
12 months ago
Disintermediation? Isn't that what happens when you forget to wear deodorant before a job interview?
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Cristina
8 months ago
Right? Gotta impress the lenders, not scare them away!
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Tyisha
8 months ago
Definitely not the best time to skip deodorant!
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Vivan
9 months ago
Disintermediation sounds serious, but I get the joke!
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Rodolfo
9 months ago
Haha, I see what you did there!
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Amber
1 year ago
Hmm, I'm not too sure about this one. I was considering C) Leveraged finance, but I suppose B) Disintermediation makes more sense.
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Emily
1 year ago
I agree with Curtis, it makes sense.
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Karl
1 year ago
I think the correct answer is B) Disintermediation. That sounds about right to me.
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Darrel
12 months ago
It bypasses traditional banking intermediaries.
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Salome
12 months ago
Disintermediation is the movement of funds directly from lenders to borrowers.
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Freeman
12 months ago
I agree, B) Disintermediation is the correct answer.
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Curtis
1 year ago
I think it's disintermediation.
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