WorksheetsBattle of Compliance Heroes - Round 2
Total questions: 20
Worksheet time: 7mins
For Personal Loan/Personal Financing-i, what is the minimum & maximum age requirement?
18 & 60
18 & 65
21 & 60
21 & 65
What is the minimum deposit required for hire purchase financing?
17%
8%
10%
9%
Upon loan approval, before execution of Hire Purchase Agreement, can dealer collect deposit from hirer?
Yes
No
Money launderers buying business, property or luxury goods with illegal funds is a form of:
Layering
Integration
Placement
Vulnerable segment consist of :-
I. Income <= RM36k for all the locations
II. Income < RM36k for urban area
III. Income >= RM60k for urban area
IV. Income > RM60k for all locations
I & II
I & III
II & III
II & IV
Debt service income ratio (DSR) is computed using all ______________ over net income after statuary deductions.
outstanding debt repayment obligations from Bank
outstanding debt repayment obligations from non-Banks
outstanding debt repayment obligations from internal records only
outstanding debt repayment obligations from Bank and non-Banks
What is the document that dealer needs to serve to Hirer prior to collecting the booking fee?
Fifth Schedule
Second Schedule
First and Second Schedule
Under Section 133 of FSA 2013, a person who commits a breach of these secrecy rules, shall upon conviction be liable to the following:
Imprisonment up to 5 years or fine not exceeding RM3 million or both
Imprisonment up to 10 years or fine not exceeding RM3 million or both
Imprisonment up to 5 years or fine not exceeding RM10 million or both
Imprisonment up to 3 years or fine not exceeding RM3 million or both
For delinquent HLB credit card account, when do we suspend the account from usage ?
15 days
30 days
60 days
90 days
Under Fair Debt Collections Practices, we are allowed to visit customer’s workplace if
the borrower has failed to respond to other means of communication
is not contactable at other locations
has agreed with the visit
all of the above
What is the minimum threshold amount to commence bankruptcy proceedings against an individual?
RM30,000
RM45,000
RM50,000
RM35,000
Below are the applicable Land Laws relating to land dealings in Malaysia EXCEPT :
Sarawak Land Code
National Land Code
Housing Development Act
Sabah Land Ordinance
Which of the following is not the security documents for property with individual title?
Memorandum of Charge
Facility Agreement
Charge Annexure
Deed of Assignment
Which is NOT a necessary detail that is required of the customer to provide:
Shares (investment)
Purpose of Transaction
Place of Birth
Contact Number
For “Unclaimed Money”, the Bank is to lodge the unclaimed moneys to the Registrar on:
half-yearly basis, i.e. March and September respectively.
half-yearly basis, i.e. June and December respectively.
annually basis before end of every March.
annually basis before end of every December.
What are the minimum months in arrears before the Bank can repossess a vehicle from a deceased Hirer?
3 months
1 month
2 months
4 months
Financing of terrorism includes:
Providing or collecting property for carrying out an act of terrorism
Providing services for terrorism purposes
Dealing with terrorist property
All of the above
What is the acceptable collateral for Share Margin Financing?
Unquoted shares
Property
Quoted shares
Gold bar
For Personal Loan/Personal Financing-i, MUE refers to :
Minimum Unsecured Exposure
Maximum Unsecured Exposure
Multiple Unsecured Exposure
Margin Unsecured Exposure
Which of the following is NOT a method that thieves use to steal the identity of an individual or business?
Layering
Phishing
Shoulder surfing
Social engineering
