he Financial Services Modernization Act: Question 17 options: forbids banks the right to offer insurance and stock brokerage services. allows banks to disclose their privacy policies at their discretion. requires banks to inform consumers how they can "opt out" of having their confidential information released to other companies. does not require banks to develop policies that will prevent unauthorized access of customers' confidential information. Question 18 (5 points) Listen The Fair Credit Reporting Act: Question 18 options: gives consumers the right to request a free copy of their credit report every year. ensures that information about criminal convictions does not haunt a consumer's credit report forever. is designed to promote the accuracy of credit reports. makes it possible for a consumer to declare bankruptcy without harming his or her credit rating