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NEW QUESTION: 1
Under HMDA, what is the threshold for reporting the interest rate spread for first lien mortgage loans?
A. Over 5 percentage points
B. Over 3 percentage points
C. Over 7 percentage points and when the loan is subject to the Home Ownership and Equity Protection Act
D. Less than 8 percentage points but greater than 5 percentage points
Answer: B
NEW QUESTION: 2
Timestamps and sequence numbers act as countermeasures against which of the following types of
attacks?
A. Replay
B. Smurf
C. Vishing
D. DoS
Answer: A
Explanation:
Section: Threats and Vulnerabilities
Explanation/Reference:
Explanation:
A replay attack (also known as playback attack) is a form of network attack in which a valid data
transmission is maliciously or fraudulently repeated or delayed. This is carried out either by the originator
or by an adversary who intercepts the data and retransmits it, possibly as part of a masquerade attack by
IP packet substitution (such as stream cipher attack).
For example: Suppose Alice wants to prove her identity to Bob. Bob requests her password as proof of
identity, which Alice dutifully provides (possibly after some transformation like a hash function); meanwhile,
Eve is eavesdropping on the conversation and keeps the password (or the hash). After the interchange is
over, Eve (posing as Alice) connects to Bob; when asked for a proof of identity, Eve sends Alice's
password (or hash) read from the last session, which Bob accepts thus granting access to Eve.
Countermeasures: A way to avoid replay attacks is by using session tokens: Bob sends a one-time token
to Alice, which Alice uses to transform the password and send the result to Bob (e.g. computing a hash
function of the session token appended to the password). On his side Bob performs the same
computation; if and only if both values match, the login is successful. Now suppose Eve has captured this
value and tries to use it on another session; Bob sends a different session token, and when Eve replies
with the captured value it will be different from Bob's computation.
Session tokens should be chosen by a (pseudo-) random process. Otherwise Eve may be able to pose as
Bob, presenting some predicted future token, and convince Alice to use that token in her transformation.
Eve can then replay her reply at a later time (when the previously predicted token is actually presented by
Bob), and Bob will accept the authentication.
One-time passwords are similar to session tokens in that the password expires after it has been used or
after a very short amount of time. They can be used to authenticate individual transactions in addition to
sessions. The technique has been widely implemented in personal online banking systems.
Bob can also send nonces but should then include a message authentication code (MAC), which Alice
should check.
Timestamping is another way of preventing a replay attack. Synchronization should be achieved using a
secure protocol. For example, Bob periodically broadcasts the time on his clock together with a MAC.
When Alice wants to send Bob a message, she includes her best estimate of the time on his clock in her
message, which is also authenticated. Bob only accepts messages for which the timestamp is within a
reasonable tolerance. The advantage of this scheme is that Bob does not need to generate (pseudo-)
random numbers, with the trade-off being that replay attacks, if they are performed quickly enough i.e.
within that 'reasonable' limit, could succeed.
NEW QUESTION: 3
How many User records can be imported via Import Wizard?
A. 50.000
B. 5.000
C. 0
D. User Records cannot be imported via Import Wizard
Answer: D
NEW QUESTION: 4
Crashing describes a technique to speed up a project by...
A. ...reducing the number of features of the product in order to reduce development work.
B. ...reducing the duration estimates for activities to increase the pressure applied to the staff.
C. ...overlapping activities which were originally planned to be done in sequence.
D. ...reallocating existing resources or assigning additional resources to the project.
Answer: D