CRCM 2025/2026 Exam Questions
Marking Scheme New Update | A+ Rated
Which of the following is not exempt from the rules on reasonable and
proportional pricing of electronic debit transactions? - 🧠ANSWER ✔✔A
debit card issued by a community bank with $7 billion in assets, affiliated
with another depository institution with assets of $5 billion
Which of the following statements is true regarding debt card interchange
fees and routing? - 🧠ANSWER ✔✔An issuer can meet the requirements of
the network exclusivity rule by allowing transactions to be processed on
two unaffiliated payment card networks that don't restrict transactions
based on geography, merchant or transaction type.
In order to qualify for the fraud prevention adjustment an issuer must (debt
card interchange fees and routing): - 🧠ANSWER ✔✔Implement fraud
prevention and detection policies
ABC Bank has several customers with hearing disabilities. Of the following,
which statement is true? - 🧠ANSWER ✔✔The bank must reasonably
COPYRIGHT©JOSHCLAY 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE. PRIVACY
STATEMENT. ALL RIGHTS RESERVED
1
,provide auxiliary aids and services to assist in communications with its
disabled customers
Which of the following activities is permitted under ADA? - 🧠ANSWER
✔✔Prohibiting smoking anywhere in the bank building - The bank cannot
discriminate against persons who regularly associate with persons with
disabilities. It also cannot charge for auxiliary devices that are used as a
reasonable accommodation. Therefore, it cannot charge for the readers.
The bank may not force a disabled person to use a segregated service,
such as a special teller window. If the disabled person wants to use the
regular window, the bank must allow him or her to do so. The bank may
prohibit smoking within the building.
Bank A offers safe deposit services in a vault area that contains a door too
narrow for wheelchair passage. The bank cannot widen the door because
of the vault construction. Therefore, when a customer in a wheelchair
needs access to a safe deposit box the customer cannot enter the vault.
The bank provides viewing rooms for all safe deposit customers, and one
of these rooms has a door wide enough for a disabled customer to enter.
Which of the following must the bank do to provide safe deposit box service
to wheelchair customers? - 🧠ANSWER ✔✔Bring the safe deposit box to the
COPYRIGHT©JOSHCLAY 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE. PRIVACY
STATEMENT. ALL RIGHTS RESERVED
2
,customer and provide an accessible area where the customer may
privately have access to the contents - The bank must make this service
available in a manner that provides equal benefits. Because a nondisabled
person would not have to be accompanied by another individual, the bank
cannot require this of a disabled person. Also, the construction of a new
vault is a significantly expensive undertaking, one that would probably
impose an undue burden on the bank. The best alternative is to provide the
disabled person with access to a private location and have bank personnel
retrieve and deliver the box.
The mortgage lending department of Bank XYZ received some inquiries
from potential applicants who are visually impaired. The bank would like to
comply with ADA concerning these potential applicants, but it does not
want to spend a significant amount of money. Which of the following
statements is true? - 🧠ANSWER ✔✔The bank may have a loan assistant
read each loan application and disclosure document to the applicant and
assist in completion of the forms. - Although the bank may have its
documents translated into Braille, it is not required to do so. The bank
cannot require that the applicant bring a nondisabled friend, and it cannot
make a policy that blatantly discriminates against a class of disabled
persons.
COPYRIGHT©JOSHCLAY 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE. PRIVACY
STATEMENT. ALL RIGHTS RESERVED
3
, Bob's wife is HIV-positive due to a blood transfusion during an
appendectomy 15 years ago. She is not yet sick, but takes medication to
prevent the onset of AIDS. Bob occasionally needs to take time off from
work to take her for testing at Johns Hopkins in Baltimore. Because of
complaints about Bob's exposure to this disease, employees have asked
HR to limit his contact with them and with customers. The bank has asked
Bob not to eat in the lunchroom with the other employees and has placed
Bob in a position where he has limited customer contact. Does this
company have any potential ADA liability? - 🧠ANSWER ✔✔Yes. Because
the manager has associated Bob with this disease, the ''associated with''
rule applies
Which of the following employment practices is NOT legal under ADA? -
🧠ANSWER ✔✔Establishing a policy that prohibits hiring alcoholic
applicants - The bank may establish a policy that prohibits hiring applicants
(or permits the firing of employees) who are under the influence of alcohol
while at work. Because alcoholism is a disability, the bank cannot have a
policy of refusing to hire such persons. However, the bank may hold the
employee to the same performance standards and rules, (including those
against being under the influence of alcohol at work) as the other
employees.
COPYRIGHT©JOSHCLAY 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE. PRIVACY
STATEMENT. ALL RIGHTS RESERVED
4
Marking Scheme New Update | A+ Rated
Which of the following is not exempt from the rules on reasonable and
proportional pricing of electronic debit transactions? - 🧠ANSWER ✔✔A
debit card issued by a community bank with $7 billion in assets, affiliated
with another depository institution with assets of $5 billion
Which of the following statements is true regarding debt card interchange
fees and routing? - 🧠ANSWER ✔✔An issuer can meet the requirements of
the network exclusivity rule by allowing transactions to be processed on
two unaffiliated payment card networks that don't restrict transactions
based on geography, merchant or transaction type.
In order to qualify for the fraud prevention adjustment an issuer must (debt
card interchange fees and routing): - 🧠ANSWER ✔✔Implement fraud
prevention and detection policies
ABC Bank has several customers with hearing disabilities. Of the following,
which statement is true? - 🧠ANSWER ✔✔The bank must reasonably
COPYRIGHT©JOSHCLAY 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE. PRIVACY
STATEMENT. ALL RIGHTS RESERVED
1
,provide auxiliary aids and services to assist in communications with its
disabled customers
Which of the following activities is permitted under ADA? - 🧠ANSWER
✔✔Prohibiting smoking anywhere in the bank building - The bank cannot
discriminate against persons who regularly associate with persons with
disabilities. It also cannot charge for auxiliary devices that are used as a
reasonable accommodation. Therefore, it cannot charge for the readers.
The bank may not force a disabled person to use a segregated service,
such as a special teller window. If the disabled person wants to use the
regular window, the bank must allow him or her to do so. The bank may
prohibit smoking within the building.
Bank A offers safe deposit services in a vault area that contains a door too
narrow for wheelchair passage. The bank cannot widen the door because
of the vault construction. Therefore, when a customer in a wheelchair
needs access to a safe deposit box the customer cannot enter the vault.
The bank provides viewing rooms for all safe deposit customers, and one
of these rooms has a door wide enough for a disabled customer to enter.
Which of the following must the bank do to provide safe deposit box service
to wheelchair customers? - 🧠ANSWER ✔✔Bring the safe deposit box to the
COPYRIGHT©JOSHCLAY 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE. PRIVACY
STATEMENT. ALL RIGHTS RESERVED
2
,customer and provide an accessible area where the customer may
privately have access to the contents - The bank must make this service
available in a manner that provides equal benefits. Because a nondisabled
person would not have to be accompanied by another individual, the bank
cannot require this of a disabled person. Also, the construction of a new
vault is a significantly expensive undertaking, one that would probably
impose an undue burden on the bank. The best alternative is to provide the
disabled person with access to a private location and have bank personnel
retrieve and deliver the box.
The mortgage lending department of Bank XYZ received some inquiries
from potential applicants who are visually impaired. The bank would like to
comply with ADA concerning these potential applicants, but it does not
want to spend a significant amount of money. Which of the following
statements is true? - 🧠ANSWER ✔✔The bank may have a loan assistant
read each loan application and disclosure document to the applicant and
assist in completion of the forms. - Although the bank may have its
documents translated into Braille, it is not required to do so. The bank
cannot require that the applicant bring a nondisabled friend, and it cannot
make a policy that blatantly discriminates against a class of disabled
persons.
COPYRIGHT©JOSHCLAY 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE. PRIVACY
STATEMENT. ALL RIGHTS RESERVED
3
, Bob's wife is HIV-positive due to a blood transfusion during an
appendectomy 15 years ago. She is not yet sick, but takes medication to
prevent the onset of AIDS. Bob occasionally needs to take time off from
work to take her for testing at Johns Hopkins in Baltimore. Because of
complaints about Bob's exposure to this disease, employees have asked
HR to limit his contact with them and with customers. The bank has asked
Bob not to eat in the lunchroom with the other employees and has placed
Bob in a position where he has limited customer contact. Does this
company have any potential ADA liability? - 🧠ANSWER ✔✔Yes. Because
the manager has associated Bob with this disease, the ''associated with''
rule applies
Which of the following employment practices is NOT legal under ADA? -
🧠ANSWER ✔✔Establishing a policy that prohibits hiring alcoholic
applicants - The bank may establish a policy that prohibits hiring applicants
(or permits the firing of employees) who are under the influence of alcohol
while at work. Because alcoholism is a disability, the bank cannot have a
policy of refusing to hire such persons. However, the bank may hold the
employee to the same performance standards and rules, (including those
against being under the influence of alcohol at work) as the other
employees.
COPYRIGHT©JOSHCLAY 2025/2026. YEAR PUBLISHED 2025. COMPANY REGISTRATION NUMBER: 619652435. TERMS OF USE. PRIVACY
STATEMENT. ALL RIGHTS RESERVED
4
