An operations lead compares the file facts with TSR Do Not Call Requirements during an underwriting condition review. Which conclusion is accurate?
Correct Answer
D) Honor the do-not-call request under telemarketing rules
Why this is correct: The Telemarketing Sales Rule (TSR) and the National Do Not Call Registry rules require telemarketers to honor requests from consumers to not receive future telemarketing calls. Once a consumer makes an internal do-not-call request to a specific company, that company must honor it. The correct conclusion, "Honor the do-not-call request under telemarketing rules," accurately reflects this mandatory obligation. Why the other choices are wrong: "Call without checking consent or registry status" is wrong because calls generally require prior express consent or an established business relationship, and the national registry must be checked. "Ignore an internal do-not-call request after the borrower shows interest" is wrong because a consumer's prior interest does not override a subsequent request to stop calls. "Treat prior borrower contact as unlimited permission for future calls" is wrong because prior contact may establish a time-limited business relationship but does not provide unlimited permission, especially after a do-not-call request. Exam tip: Remember the hierarchy: A consumer's specific request to a company to stop calls must always be honored, regardless of other rules or prior contact.
Why This Is the Correct Answer
The correct response is "Honor the do-not-call request under telemarketing rules" because Telemarketing rules limit calling times, registry calls, internal do-not-call handling, and consent.
Why the Other Options Are Wrong
Option A: Call without checking consent or registry status.
Call without checking consent or registry status. is not correct because it does not apply the rule tested by this file scenario.
Option B: Ignore an internal do-not-call request after the borrower shows interest.
Ignore an internal do-not-call request after the borrower shows interest. is not correct because it does not apply the rule tested by this file scenario.
Option C: Treat prior borrower contact as unlimited permission for future calls.
Treat prior borrower contact as unlimited permission for future calls. is not correct because it does not apply the rule tested by this file scenario.
Memory Technique
telemarketing and do-not-call controls: identify the rule being tested, then choose the action that documents or applies that rule before the file moves forward.
Exam Tip
Match the file facts to telemarketing and do-not-call controls; do not choose an exception or shortcut that skips the required rule.
Common Mistakes to Avoid
- -Choosing an internal exception instead of the governing rule
- -Treating preliminary or informal facts as a substitute for required documentation
- -Answering from a familiar but unrelated mortgage topic
More Ethics & Fraud Questions
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A branch manager asks about a loan file because marketing proposes a rate the company is not prepared to offer. What should happen?
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Previous Question
A borrower closes 3 loans on the same property with 3 lenders within 10 days, before any of them records. If the borrower conceals the other loans and lets each lender believe it will have first priority, what scheme does this conduct illustrate?
Next Question
A title agency pays another company's employee $200 solely for referring settlement business. Separately, real estate brokers divide a commission while acting in a cooperative real estate brokerage capacity, a title insurer reasonably pays its appointed agent for policy-issuance services, and a lender reasonably pays an attorney for legal work actually performed. Which payment falls outside RESPA's listed exceptions?