3. The National Do Not Call Registry is primarily enforced by which two entities through their regulation of two different federal laws relating to telemarketing? A. Department of Transportation and the FTC. B. US Department of Justice and the FTC. C. Department of Commerce and the FCC. D. The FTC and FCC. 4. If a user of a consumer report takes adverse action against a consumer based on information contained in the consumer report (i.e. an employer denies employment to a job applicant due to the contents of the applicant's consumer report), which of the following does NOT need to be disclosed to the consumer? A. The name, address, and telephone number of the consumer reporting agency that provided the consumer report. B. A statement explaining to the consumer that he has the right to obtain a copy of the consumer report free of charge from the consumer reporting agency. C. An explanation of the technical safeguards instituted by the consumer reporting agency that protect the consumer's confidential information. D. A statement advising the consumer of his right to dispute the accuracy or completeness of the consumer report with the consumer reporting agency. 5. In accordance with the Bank Secrecy Act, under which circumstance must a financial institution (as defined by the Bank Secrecy Act) file a suspicious activity report? A. When the bank detects a suspicious transaction of $25,000 even if the bank does not know the identity of the perpetrator. B. For all transactions over $7,500. C. For all transactions over $2,500. D. When the bank detects a suspicious cash transaction of $1,000 coupled with a credit transaction of $3,000. 6. When a website operator states in its privacy notice that it will not share financial information with third parties and then shares financial information with a third-party affiliate, what recourse may occur? A. The FTC may bring an action against the operator for unfair competition. B. The FTC may bring an action against the operator for a deceptive trade practice. C. A user of the website may bring a criminal sanctions against the operator. D. The FTC may bring an action under Section 75 of the Federal Trade Commission Act.