20. Which of the following acts established the right of women to their own credit, even when they are married? a. Fair Credit Billing Act b. Fair Credit Reporting Act c. Truth in Lending Act d. Equal Credit Opportunity Act 21. Which of the following is unsecured credit? a. Home mortgage b. Automobile loan c. Credit card purchase d. Rent-to-own furniture 22. Which kind of loan generally has the lowest interest rate charged? a. Unsecured loan b. Secured loan c. Cash advance d. Vacation loan 23. Which of the following statements about student loans is NOT true? if you don't complete your education, you will not have to pay back your student b. A school's financial aid office is one of the best sources of information on student c. Both the federal government and financial institutions participate in the student d. Interest is often deferred and there are some tax savings on the interest paid on loan. loans loan program. student loans 24. When you purchase an asset that generates a return, it is generally considered to be a. an investment. b. speculation. c. a windfall. d. an expected returner. 25. Which of the following is the definition of a bond? a. A type of Certificate of Deposit with a higher than average interest rate b. Savings account that allows limited withdrawals over time c. Debt a company issues investors for a specified amount of time d. A certificate of ownership in a specific company 26. Investors purchase bonds because a. they are a risk-free investment b. they pay interest income. c. they pay dividends. d. the returns are higher than stocks