Under CCMA, a borrower would be deemed not co-operating if which of the following is true?

• A. (i) refuses to engage with the regulated entity.
• B. (ii) fails to make an honest disclosure.
• C. (iii) refuses to accept an alternative repayment arrangement.
• D. (i), (ii) and (iii).

Answer: (D)

Cooperation in CCMA means actively engaging with the lender or regulator, providing complete and honest information about your financial position, and being willing to consider reasonable repayment options. Not cooperating occurs when the borrower refuses to engage, withholds or misstates information, and/or refuses to accept an alternative repayment arrangement. The option that includes all three behaviors best reflects a clear pattern of non-cooperation, showing obstruction across engagement, disclosure, and willingness to find a workable payment solution. While any one of these actions raised concerns on its own, together they demonstrate the strongest affirmation of non-cooperation.