Question

how do government regulators protect consumers?
○ by investigating complaints made by lenders
○ by using borrower information responsibly
○ by disclosing accurate credit terms
○ by ensuring lenders comply with the law

Explanation:

To determine how government regulators protect consumers, we analyze each option:

• "by investigating complaints made by lenders": Regulators protect consumers, not primarily investigate lenders' complaints. Eliminate.
• "by using borrower information responsibly": This is the role of entities handling borrower info (like lenders), not regulators. Eliminate.
• "by disclosing accurate credit terms": Disclosing credit terms is the responsibility of lenders (e.g., via Truth in Lending Act requirements), not regulators' main action for protection. Eliminate.
• "by ensuring lenders comply with the law": Government regulators enforce laws to ensure lenders follow regulations (e.g., fair lending, consumer protection laws), which directly protects consumers from unfair or illegal practices.

Answer:

D. by ensuring lenders comply with the law (Note: Assuming the options are labeled A - D in order, with the last option being D. If original labels differ, adjust, but the correct option is the one stating "by ensuring lenders comply with the law".)