Which of the Following Statements Is True of the Credit

question 61

Multiple Choice

Which of the following statements is true of the Credit Card Accountability, Responsibility and Disclosure Act of 2009?

• A) It strictly restricts issuing credit cards to anyone under the age of 21.
• B) It created the Consumer Financial Protection Bureau.
• C) It places caps on certain types of fees that credit card issuers can charge.
• D) It allows credit card issuers to raise the interest rates on existing balances soon after a purchase.

---

Definitions:

Maladaptive Anxiety

Anxiety that is excessive, irrational, or impedes daily functioning, often resulting from dysfunctional coping mechanisms.

Cognitive Restructuring

A therapeutic technique aimed at identifying and changing negative or irrational thought patterns to alter behaviors and emotions.

Conditioning Theories

Theories in psychology that describe the learning process as the result of associations between stimuli and responses, leading to behavior modification.

Negative Reinforcement

A process in behavior modification where the removal of an undesirable or unpleasant stimulus strengthens a behavior.