Robin Martin Made an Individual Application to the Bank for a Car

question 379

Multiple Choice

Robin Martin made an individual application to the bank for a car loan. She has just returned to work on a regular basis because she was a full-time homemaker until recently, when her last child entered school. The loan officer would like to ask her about her husband. Under what circumstances can the officer ask Robin about her husband?

• A) The creditor believes the spouse's signature will make the applicant more creditworthy.
• B) The applicant is married.
• C) The applicant resides in a community property state.
• D) The applicant's credit reports indicate that the spouse is a better credit risk.

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Definitions:

Chronic Hormone Secretion

The continuous or prolonged release of hormones into the bloodstream, affecting the body's functions over an extended period.

Down-Regulation

A biological process where the number of receptors or the sensitivity of a cell to a molecule decreases in response to an external factor.

Insensitivity

A lack of sensitivity or responsiveness to stimuli or inputs, whether emotional or physical.

Receptor Molecules

Specialized proteins located on or within cells that bind to specific substances, triggering cellular responses.