The Dodd-Frank Act of 2010

question 38

Multiple Choice

The Dodd-Frank Act of 2010:

• A) requires that lenders ensure borrowers will repay their mortgage loans.
• B) prohibits unfair and deceptive lending practices, although subprime mortgages are excluded from the scope of the Act.
• C) expands protection for borrowers of high-cost mortgage loans.
• D) requires that lenders disclose the minimum amount a consumer could pay on a variable rate mortgage.

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Definitions:

Phenotype

A group of traits in a person that are visible and come about through the way their genetic makeup responds to environmental factors.

X Chromosome

One of the two sex chromosomes, commonly associated with female sex determination in many organisms.

Behavioral Teratogens

Substances or factors that can cause abnormal development or birth defects through their influence on fetal behavior.

Polygenic

Polygenic refers to a trait or condition that is influenced by multiple genes, often resulting in a continuous range of possible phenotypes.