200+ Free CRCM Practice Questions

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A consumer is tricked by a scammer into sharing online banking credentials, and the scammer then initiates an electronic fund transfer from the consumer's account. Under Regulation E, how is the transfer generally treated?

As an unauthorized EFT if the scammer lacked actual authority and the consumer received no benefit

As an authorized EFT because the consumer voluntarily shared credentials

As a transaction outside Regulation E because it involved online banking credentials

As a wire transfer governed only by Regulation Z

to track

2026 Statistics

Key Facts: CRCM Exam

200 Qs

Exam Length

ABA

4 hours

Time Limit

ABA

500

Passing Score

Scaled 200-800

37%

Core Compliance

Largest weighted domain

$815

Exam Fee

ABA 2026 application page

June 2026

Revised Outline Effective

ABA

The CRCM exam delivers 200 multiple-choice questions in 4 hours and uses ABA's 200-800 scaled-score model, with 500 required to pass. For June 2026 and later windows, candidates should study the revised three-domain outline: Core Compliance 37%, Foundational Compliance 37% (23% primary and 14% ancillary rules), and Compliance Management System 26%. The 2026 standard exam fee is $815, with remote testing available through Meazure Learning's ProctorU platform.

Sample CRCM Practice Questions

Try these sample questions to test your CRCM exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 200+ question experience with AI tutoring.

1A consumer is tricked by a scammer into sharing online banking credentials, and the scammer then initiates an electronic fund transfer from the consumer's account. Under Regulation E, how is the transfer generally treated?

A.As an unauthorized EFT if the scammer lacked actual authority and the consumer received no benefit

B.As an authorized EFT because the consumer voluntarily shared credentials

C.As a transaction outside Regulation E because it involved online banking credentials

D.As a wire transfer governed only by Regulation Z

Explanation: Regulation E generally treats a transfer as unauthorized when it is initiated by a person without actual authority and the consumer receives no benefit. CFPB guidance explains that fraud-induced sharing of access information can still result in an unauthorized EFT rather than shifting the loss automatically to the consumer.

2If a bank cannot complete a Regulation E error investigation within 10 business days in the ordinary case, what allows it to extend the investigation period to as much as 45 days?

A.Obtaining a police report from the consumer

B.Closing the account until the dispute is resolved

C.Provisionally crediting the account and meeting the related notice and access requirements

D.Receiving a merchant affidavit within 30 days

Explanation: A financial institution may take up to 45 days in the ordinary case if it provisionally credits the consumer's account within 10 business days and satisfies the related notice and funds-availability requirements. Without meeting those conditions, the institution generally must determine whether an error occurred within 10 business days.

3An account may be accessed only by preauthorized direct deposits, although the consumer can still write checks. Under Regulation E, what periodic statement approach is generally permitted?

A.No periodic statements are required at all

B.Statements are required only once per year

C.Statements are required at least quarterly unless other EFT access triggers more frequent statements

D.Monthly statements are always required even when the account receives only preauthorized credits

Explanation: For an account that may be accessed only by preauthorized transfers to the account, Regulation E permits at least quarterly periodic statements. If the account is also accessed by other EFT activity, such as ATM withdrawals or preauthorized debits, the exception no longer applies and the regular statement rules govern.

4Before a bank may assess a fee for paying an ATM or one-time debit card overdraft, what must generally occur under Regulation E?

A.The consumer must receive a post-transaction notice within 24 hours

B.The consumer must first overdraw the account at least twice

C.The bank must treat the service as a line of credit under Regulation Z

D.The consumer must affirmatively opt in to the overdraft service for those transactions

Explanation: Regulation E requires affirmative consumer opt-in before a bank may charge overdraft fees on ATM and one-time debit card transactions. Without that opt-in, the bank may choose to pay or decline the item, but it generally cannot impose the overdraft fee for that transaction type.

5A bank advertises an account as "free checking" but imposes a monthly maintenance fee if the consumer fails to maintain a minimum balance. Under Regulation DD, what is the compliance issue?

A.There is no issue because the fee is avoidable

B.The advertisement is misleading because an account with a possible maintenance or activity fee cannot be described as free

C.The bank may use the word free only if it also discloses the APY

D.The phrase is permissible only for commercial deposit accounts

Explanation: Regulation DD prohibits advertisements from describing an account as "free" or "no cost" if any maintenance or activity fee may be imposed. A fee triggered by failing to maintain a minimum balance still counts for this purpose, even if the consumer could theoretically avoid it.

6What does the annual percentage yield (APY) convey in a Truth in Savings disclosure?

A.Only the nominal interest rate without compounding

B.Only the total fees associated with the account

C.The total amount of interest an account pays in a year, reflecting the interest rate and compounding

D.The institution's expected profit margin on the account

Explanation: APY is designed to help consumers compare deposit accounts by showing the total amount of interest paid on an account based on the interest rate and compounding for a one-year period. It is different from a simple nominal rate because it captures the effect of compounding.

7A depository institution advertises that it will pay overdrafts for consumers. Under Regulation DD, what additional advertising disclosure is generally required?

A.The fee or fees for paying each overdraft and other required overdraft advertising information

B.The institution's annual overdraft loss ratio

C.A guarantee that every overdraft will be paid

D.A statement that overdraft practices are exempt from UDAAP review

Explanation: When an institution promotes the payment of overdrafts, Regulation DD requires clear and conspicuous overdraft advertising disclosures, including the fee or fees charged. The rule is meant to prevent promotional messaging from obscuring the costs and limits of the service.

8When a change in terms would reduce the APY or otherwise adversely affect a consumer on a deposit account, what advance notice timing generally applies under Regulation DD?

A.No advance notice is required if the change is sent with the next statement

B.Seven calendar days

C.Fifteen calendar days

D.Thirty calendar days

Explanation: Regulation DD generally requires 30 calendar days' advance notice for a change in a term that may reduce the APY or otherwise adversely affect the consumer. This gives the consumer meaningful time to react before the less favorable term becomes effective.

9When may a creditor generally require the signature of an applicant's spouse on a credit obligation under Regulation B?

A.Whenever the applicant is married

B.Only when the spouse is a joint applicant or the spouse's interest is necessary to reach collateral or otherwise make the credit enforceable

C.Whenever the creditor's policy prefers two signatures on all consumer loans

D.Whenever the applicant's income is primarily from employment

Explanation: Regulation B bars blanket spousal-signature requirements based on marital status. A spouse's signature may be required only in limited situations, such as when the spouse is applying jointly or has an interest in collateral needed to support the credit.

10For a completed credit application, when must a creditor generally notify the applicant of action taken under Regulation B?

A.Within 30 days

B.Within 10 days

C.By the end of the next billing cycle

D.Only if the applicant asks for a decision

Explanation: Regulation B generally requires a creditor to notify an applicant within 30 days after receiving a completed application of the action taken. The timing rule is a core notice requirement intended to prevent applicants from being left without a clear and timely decision.

About the CRCM Exam

The CRCM is ABA's flagship certification for bank compliance professionals. It tests deep working knowledge of core consumer-banking regulations, broad familiarity with cross-disciplinary compliance rules, and the ability to design, monitor, and escalate issues through a defensible compliance management system.

Assessment

200 multiple-choice questions

Time Limit

4 hours

Passing Score

500 scaled score (200-800 scale)

Exam Fee

$815 (American Bankers Association (ABA Professional Certifications))

CRCM Exam Content Outline

37%

Core Compliance

Deep, role-critical expertise in Regulation E, Regulation DD, Regulation B, flood rules, Regulation Z, Regulation C, CRA, UDAP/UDAAP, and BSA/OFAC.

23%

Foundational Compliance: Primary Rules

Broad working knowledge of major cross-disciplinary laws and guidance such as Regulation M, E-SIGN, Regulation CC, FCRA, FDCPA, Fair Housing, GLBA information security, Regulation X, SCRA, TCPA, and related rules.

14%

Foundational Compliance: Ancillary Rules

Awareness-level coverage of additional regulatory and guidance topics including deposit insurance, privacy, appraisal, insurance-sales, payments, internet banking, and governance-adjacent rules.

26%

Compliance Management System (CMS)

Governance and oversight, risk assessments, policies and procedures, training, complaint management, third-party risk, monitoring, issue management, regulatory reporting, change management, and examination management.

How to Pass the CRCM Exam

What You Need to Know

Passing score: 500 scaled score (200-800 scale)
Assessment: 200 multiple-choice questions
Time limit: 4 hours
Exam fee: $815

Keys to Passing

Complete 500+ practice questions
Score 80%+ consistently before scheduling
Focus on highest-weighted sections
Use our AI tutor for tough concepts

CRCM Study Tips from Top Performers

1Master the nine Core Compliance regulations first, because that 37% domain drives the largest share of scored questions.

2Build a one-page matrix for disclosures, timing, coverage thresholds, and error-resolution or notice rules across Reg E, Reg Z, Reg B, Reg C, and Reg DD.

3Do not treat Domain 2 as minor trivia. The primary-rule list is large, and the ancillary-rule list is broad enough that weak coverage creates easy misses.

4Practice CMS questions as workflow problems: what should be escalated, documented, monitored, remediated, or reported next.

5Use missed-question review to connect a regulation to its operational control, complaint risk, monitoring test, and board-reporting implications.

6Before test day, re-read the revised June 2026 outline and confirm your study plan still matches ABA's current domain weighting.

Frequently Asked Questions

How many questions are on the CRCM exam?

ABA states that the CRCM exam contains 200 multiple-choice questions and allows a maximum 4-hour testing window. Calculators are provided, and most candidates receive an immediate pass/fail outcome at the test site or through remote delivery.

What score do I need to pass the CRCM exam?

ABA certification exams use a scaled score from 200 to 800, and the passing score is 500. The score is based on the total number of items answered correctly and then converted to the reporting scale.

What changed for the CRCM exam in 2026?

For June 2026 and later windows, ABA adopted a revised CRCM content outline organized into three domains: Core Compliance, Foundational Compliance, and Compliance Management System. Candidates preparing for June 2026 or beyond should use the updated outline rather than the older pre-2026 domain structure.

What topics are tested most heavily on the CRCM exam?

The heaviest weighting is Core Compliance at 37%, which focuses on major role-critical regulations such as Regulation E, Regulation Z, Regulation B, CRA, HMDA, flood, UDAP/UDAAP, and BSA/OFAC. Foundational Compliance is also 37% overall, split between 23% primary rules and 14% ancillary rules, while the remaining 26% covers compliance management system design and execution.

What are the CRCM eligibility requirements?

ABA requires U.S.-based compliance experience tied directly to the CRCM outline. Candidates qualify either through at least 3 years of eligible U.S. compliance experience plus two approved training options completed within the last 5 years, or through at least 6 years of eligible U.S. compliance experience within the last 10 years, with 3 of those years within the last 5 years.

How much does the CRCM exam cost, and can I test remotely?

ABA currently lists the CRCM exam fee at $815 and the retake fee at $500. Approved candidates may test at Meazure Learning U.S. test sites or through live remote proctoring on the ProctorU platform if they meet the technical requirements.

What is the CRCM retake policy?

ABA allows retakes, but the next attempt must be in an exam window that starts at least 90 days after the start of the prior exam window. ABA also states that you must pass within 3 years of your first exam attempt or submit a new application and full fee.