Janet Kennedy has received a letter in the mail from BISA International, a credit card firm. The letter describes the card as follows: This card is yours for only a small annual fee that is billed to your account. There is an annual percentage rate finance charge of 16.5. There may be other charges for some transactions. There are no late fees, but there will be a charge for going over your credit limit. Which of the following statements is true?
A) The letter includes all the necessary disclosures for credit card solicitation under Regulation Z.
B) The finance charge is usurious.
C) The letter is missing several items of disclosure required under Regulation Z for credit card solicitation.
D) None of the above
Question 2
The Department of Labor has conducted an investigation of home builders and found that those who are building homes for several of the nation's largest homebuilders are treated as independent contractors. That is, the builders do not pay wage taxes, unemployment taxes, or withhold Social Security or income tax payments from their paychecks. However, the builders dictate the hours of work, the amount of work, and the location of the work as well as the time for their breaks. Which of the following statements is correct?
A) The construction workers on the homes are independent contractors.
B) The construction workers on the homes are not agents of the builders.
C) The construction workers are, in effect, employees of the builders.
D) The construction workers are temporary help and the builders do not owe any wage taxes as a result.
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