48,49 and 50

48. Per the Fraud Examiners Manual, telemarketers in the United States are required to obtain consumers' verifiable authorization to obtain funds from their bank accounts. Which of the following in NOT one of the ways for a telemarketer to obtain authorization? A. obtain a consumer's written authorization. B. tape record a consumer's verbal authorization. O. send the consumer a written confirmation after debiting the bank account. D. all of the above are ways for a telemarketer to obtain verifiable authorization 49. Per the Fraud Examiners Manual, which of the following is NOT listed as a common type of elder fraud schemes? A. Sweepstake and Prize Schemes. B. Work-at-Home Schemes. C. Grandparent Schemes. D. all of the above are common type of elder fraud schemes. 50. Per the Fraud Examiners Manual, which of the following best describes are affinity frauds? A. frauds that target the elderly. B. frauds that target groups of people who have some social connection. C. frauds that target families of migrant children. D. frauds that target travelers