15. When a lending institution takes a loan application from a customer they often ask for the names and contact information of one or two people who know the customer but are not related to them. Why do they do this?

A. It is a government policy that people applying for a loan must provide references.

B. The lending institution uses the references as a marketing opportunity and contacts them to see if they need any credit products.

C. It may be helpful in locating the customer should the customer stop making payments on their loan.

D. Lending institutions contact the references provided to obtain an opinion on the borrowers stability.