Which law provides employee benefits, but often mandates the collection of medical information?
A. The Occupational Safety and Health Act.
B. The Americans with Disabilities Act.
C. The Employee Medical Security Act.
D. The Family and Medical Leave Act.
A student has left high school and is attending a public postsecondary institution. Under what condition may a school legally disclose educational records to the parents of the student without consent?
A. If the student has not yet turned 18 years of age
B. If the student is in danger of academic suspension
C. If the student is still a dependent for tax purposes
D. If the student has applied to transfer to another institution
What privacy concept grants a consumer the right to view and correct errors on his or her credit report?
A. Access.
B. Notice.
C. Action.
D. Choice.
What is a key way that the Gramm-Leach-Bliley Act (GLBA) prevents unauthorized access into a person's back account?
A. By requiring immediate public disclosure after a suspected security breach.
B. By requiring the amount of customer personal information printed on paper.
C. By requiring the financial institutions limit the collection of personal information.
D.
E. By restricting the disclosure of customer account numbers by financial institutions.
SCENARIO
Please use the following to answer the next QUESTION:
Larry has become increasingly dissatisfied with his telemarketing position at SunriseLynx, and particularly with his supervisor, Evan. Just last week, he overheard Evan mocking the state's Do Not Call list, as well as the people on it. "If they
were really serious about not being bothered," Evan said, "They'd be on the national DNC list. That's the only one we're required to follow. At SunriseLynx, we call until they ask us not to."
Bizarrely, Evan requires telemarketers to keep records of recipients who ask them to call "another time." This, to Larry, is a clear indication that they don't want to be called at all. Evan doesn't see it that way.
Larry believes that Evan's arrogance also affects the way he treats employees. The U.S. Constitution protects
American workers, and Larry believes that the rights of those at SunriseLynx are violated regularly. At first Evan seemed friendly, even connecting with employees on social media. However, following Evan's political posts, it became clear to
Larry that employees with similar affiliations were the only ones offered promotions.
Further, Larry occasionally has packages containing personal-use items mailed to work. Several times, these have come to him already opened, even though this name was clearly marked. Larry thinks the opening of personal mail is common
at SunriseLynx, and that Fourth Amendment rights are being trampled under Evan's leadership.
Larry has also been dismayed to overhear discussions about his coworker, Sadie. Telemarketing calls are regularly recorded for quality assurance, and although Sadie is always professional during business, her personal conversations
sometimes contain sexual comments. This too is something Larry has heard Evan laughing about. When he mentioned this to a coworker, his concern was met with a shrug. It was the coworker's belief that employees agreed to be monitored when they signed on. Although personal devices are left alone, phone calls, emails and browsing histories are all subject to surveillance. In fact, Larry knows of one case in which an employee was fired after an undercover investigation by an outside firm turned up evidence of misconduct. Although the employee may have stolen from the company, Evan could have simply contacted the authorities when he first suspected something amiss.
Larry wants to take action, but is uncertain how to proceed.
Based on the way he uses social media, Evan is susceptible to a lawsuit based on?
A. Defamation
B. Discrimination
C. Intrusion upon seclusion
D. Publicity given to private life
Which entities must comply with the Telemarketing Sales Rule?
A. For-profit organizations and for-profit telefunders regarding charitable solicitations
B. Nonprofit organizations calling on their own behalf
C. For-profit organizations calling businesses when a binding contract exists between them
D. For-profit and not-for-profit organizations when selling additional services to establish customers
Which of the following best describes private-sector workplace monitoring in the United States?
A. Employers have broad authority to monitor their employees
B. U.S. federal law restricts monitoring only to industries for which it is necessary
C. Judgments in private lawsuits have severely limited the monitoring of employees
D. Most employees are protected from workplace monitoring by the U.S. Constitution
agency (CRA). Noah thinks that the report hurt his chances, but believes that he may not ever know whether it was his credit that cost him the job. However, Noah is somewhat relieved that he was not offered this particular position. He
noticed that the store where he interviewed was extremely disorganized. He imagines that his credit report could still
be sitting in the office, unsecured.
Two days ago, Noah got another interview for a position at Sam's Market. The interviewer told Noah that his credit report would be a factor in the hiring decision. Noah was surprised because he had not seen anything on paper about this
when he applied.
Regardless, the effect of Noah's credit on his employability troubles him, especially since he has tried so hard to improve it. Noah made his worst financial decisions fifteen years ago, and they led to bankruptcy. These were decisions he
made as a young man, and most of his debt at the time consisted of student loans, credit card debt, and a few unpaid bills ?all of which Noah is still working to pay off. He often laments that decisions he made fifteen years ago are still
affecting him today.
In addition, Noah feels that an experience investing with a large bank may have contributed to his financial troubles. In 2007, in an effort to earn money to help pay off his debt, Noah talked to a customer service representative at a large
investment company who urged him to purchase stocks. Without understanding the risks, Noah agreed. Unfortunately, Noah lost a great deal of money.
After losing the money, Noah was a customer of another financial institution that suffered a large security breach. Noah was one of millions of customers whose personal information was compromised. He wonders if he may have been a
victim of identity theft and whether this may have negatively affected his credit.
Noah hopes that he will soon be able to put these challenges behind him, build excellent credit, and find the perfect job.
Consumers today are most likely protected from situations like the one Noah had buying stock because of which federal action or legislation?
A. The rules under the Fair Debt Collection Practices Act.
B. The creation of the Consumer Financial Protection Bureau.
C. Federal Trade Commission investigations into "unfair and deceptive" acts or practices.
D. Investigations of "abusive" acts and practices under the Dodd-Frank Wall Street Reform and Consumer Protection Act.
Which is an exception to the general prohibitions on telephone monitoring that exist under the U.S. Wiretap Act?
A. Call center exception
B. Inter-company communications exception
C. Ordinary course of business exception
D. Internet calls exception
Which of the following is commonly required for an entity to be subject to breach notification requirements under most state laws?
A. The entity must conduct business in the state
B. The entity must have employees in the state
C. The entity must be registered in the state
D. The entity must be an information broker
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