Consumer reporting __________ __________ prohibit agencies from furnishing a consumer report containing consumer medical information.

• A. agency limitations
• B. privacy standards
• C. data protections
• D. reporting rules

Answer: (A)

The concept being tested is that there are restrictions placed on consumer reporting agencies about what they may include in a consumer report, especially regarding medical information. The two-word phrase that best fits is “agency limitations,” forming the subject “consumer reporting agency limitations.” These are the restrictions that prohibit CRAs from furnishing a consumer report containing medical information unless allowed under the law, which aligns with how the Fair Credit Reporting Act treats sensitive medical data.

Other options describe general ideas like privacy or data protections, or formalistic “reporting rules,” but they don’t capture the specific idea of limitations imposed on the agencies themselves as the gatekeepers of what can be included in reports.