Under the Fair and Accurate Credit Transactions Act (FACTA)

question 28

Multiple Choice

Under the Fair and Accurate Credit Transactions Act (FACTA) ,

• A)a creditor may not discriminate against a borrower on the basis of race,sex,religion,or age.
• B)a debt collector may not harass or abuse debtors.
• C)a credit card company must promptly investigate and respond to any consumer complaints about a credit card bill.
• D)a consumer has the right to obtain one free credit report every year from each of the three major reporting agencies.

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Definitions:

Major Product

The compound that is formed in the greatest yield in a chemical reaction, as predicted by the reaction mechanism.

Reaction

A process in which substances interact to form one or more new substances with different properties.

β-lactams

A class of antibiotics that include penicillins, characterized by a four-membered lactam ring.

Penicillins

A group of antibiotics derived from Penicillium fungi, effective against a wide range of bacterial infections by inhibiting cell wall synthesis.