Question: What term in the consumer lending field does each of the following statements describe?

a. Plastic card used to pay for goods and services without borrowing money.

b. Loan to purchase an automobile and pay it off monthly.

c. If you fail to pay the lender seizes your deposit.

d. Numerical rating describing likelihood of loan repayment.

e. Loans extended to low-credit-rated borrowers.

f. Loan based on spread between a home's market value and its mortgage balance.

g. Method for calculating rebate borrower receives from retiring a loan early.

h. Lender requires excessive insurance fees on a new loan.

i. Loan rate lenders must quote under the Truth in Lending Act.

j. Upfront payment required as a condition for getting a home loan.