These Are the Definitions of _____________: the Refusal to Grant

question 317

Multiple Choice

These are the definitions of _____________: The refusal to grant credit in substantially the amount or on substantially the terms requested in an application (and the applicant uses or expressly accepts the credit offered) A termination of the account or an unfavorable change in the terms of an account, unless the change affects substantially all of the lender's accounts of that type. A refusal to increase the amount of credit available to an applicant who has made an application for an increase

• A) Adverse action-12 CFR 202.2(c)
• B) Special-purpose credit-12 CFR 202.8
• C) Refusals- 12 CFR 202.8
• D) security agreements-12 CFR 202.2(c)

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Definitions:

Nature-nurture Debate

A longstanding discussion concerning the relative importance of an individual's inherited traits (nature) versus environmental influences (nurture) in determining behavior and development.

Gene-environment Interaction

The complex interplay between genetic predisposition and environmental factors that influence the development and expression of traits and behaviors.

Evolutionary Psychology

A conceptual framework in psychology that seeks to understand beneficial mental and psychological characteristics—like memory, perception, or language—as adaptations, meaning they are functional outcomes of the process of natural selection.

Universal Need

Fundamental requirements that are common to all humans, essential for mental and physical well-being, such as the need for safety, love, and esteem.