Đạo đứcCâu 325 / 400
An originator tells a borrower 'you must sign today or lose this rate forever,' knowing the same rate will be available tomorrow. This pressure tactic is best characterized as:
a.Good salesmanship
b.A required disclosure
c.A permitted rate lock
d.A deceptive/high-pressure practice that may violate UDAAP
Giải thích
Falsely claiming a rate will vanish to pressure an immediate signature is a deceptive, high-pressure tactic that can violate UDAAP. It is not legitimate salesmanship, it is not a required disclosure, and a genuine rate lock does not rely on a false 'now or never' claim.
Trích dẫn luật: UDAAP / advertisingLuyện miễn phí toàn bộ 400 câu hỏi — không cần đăng ký.
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