Which of the following is TRUE? A. Disparate treatment occurs when you treat all credit applicants the same. B. Overt discrimination can include cessual remarks or jokes that express prohibited basis preferences. C. Disparate impact can never occur if your policies are neutral and applied without discriminatory intent. D. Making casual remarks or jokes that express prohibited basis preferences is not a dangerous practice. 2. Violations of ECOA can result in: A. Good publicity for a financial institution. B. Consumer lawsuits. C. Good examination reports from regulators. D. All of the above