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ICMA FMFQ Exam - Topic 3 Question 84 Discussion

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

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

Suggested Answer: B

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27 comments · newest first
LA
Lashawna 10 months ago
Private banking doesn't fit here at all.
NI
Nickole 10 months ago
I thought it was credit banking?
MA
Maxima 11 months ago
No way, it's leveraged finance!
SU
Sue 11 months ago
Wait, really? I didn't know that!
EM
Emily 11 months ago
That's definitely disintermediation!
MA
Markus 11 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.
JO
Jody 12 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.
JI
Jillian 1 year ago
I'm not entirely sure, but I remember something about credit banking being related to lenders and borrowers directly.
RO
Roxane 1 year ago
I think the answer might be B, disintermediation, since it involves removing intermediaries in the lending process.
AN
Annalee 1 year 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.
CO
Cora 1 year 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.
ER
Erick 1 year 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.
KA
Karol 1 year 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.
MY
Myong 1 year ago
A) Credit banking? More like 'credit stinking' if you ask me! B) Disintermediation is clearly the way to go here.
GR
Graham 1 year ago
I'm not sure, but I think it's private banking.
IR
Irma 1 year ago
Disintermediation? Isn't that what happens when you forget to wear deodorant before a job interview?
CR
Cristina 10 months ago
↳ replying to Irma
Right? Gotta impress the lenders, not scare them away!
TY
Tyisha 10 months ago
↳ replying to Irma
Definitely not the best time to skip deodorant!
VI
Vivan 10 months ago
↳ replying to Irma
Disintermediation sounds serious, but I get the joke!
RO
Rodolfo 11 months ago
↳ replying to Irma
Haha, I see what you did there!
AM
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.
EM
Emily 1 year ago
I agree with Curtis, it makes sense.
KA
Karl 1 year ago
I think the correct answer is B) Disintermediation. That sounds about right to me.
DA
Darrel 1 year ago
↳ replying to Karl
It bypasses traditional banking intermediaries.
SA
Salome 1 year ago
↳ replying to Karl
Disintermediation is the movement of funds directly from lenders to borrowers.
FR
Freeman 1 year ago
↳ replying to Karl
I agree, B) Disintermediation is the correct answer.
CU
Curtis 1 year ago
I think it's disintermediation.
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