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WGU Ethics In Technology QCO1 Sample Questions (Q40-Q45):

NEW QUESTION # 40
Which piece of legislation outlines who may access a person's credit data?

A. Fair Credit Reporting Act
B. General Data Protection Regulation
C. European Union Data Protection Directive
D. Fair and Accurate Credit Transactions Act

Answer: A

Explanation:
The Fair Credit Reporting Act (FCRA) is a U.S. law that regulates who can access a person's credit data and how credit reporting agencies handle consumer information.
Key Provisions of FCRA:
* Limits access to credit reports to entities with a "permissible purpose" (e.g., lenders, employers, landlords).
* Gives consumers the right to dispute inaccurate credit report information.
* Mandates credit reporting agencies to ensure the accuracy and privacy of credit data.
* A. Fair and Accurate Credit Transactions Act (FACTA) - Amends FCRA but focuses more on preventing identity theft, not on access to credit data.
* B. General Data Protection Regulation (GDPR) - A European law protecting personal data, but does not specifically regulate credit reporting.
* C. European Union Data Protection Directive - The predecessor of GDPR, also unrelated to U.S. credit laws.
Why Not the Other Options?Thus, the correct answer is D. Fair Credit Reporting Act (FCRA) as it governs access to credit data.
* Fair Credit Reporting Act (1970), 15 U.S.C. § 1681.
* Federal Trade Commission (FTC) Guide on FCRA.
* Solove, D. J. (2019). Nothing to Hide: The False Tradeoff Between Privacy and Security.
References in Ethics in Technology:

NEW QUESTION # 41
A group of hackers manipulated data to disable the national energy infrastructure for its political goals. Which type of attack did the group employ?

A. Advanced persistent threat
B. Trojan horse
C. Cyberespionage
D. Cyberterrorism

Answer: D

NEW QUESTION # 42
An individualsoils a used television on an e-commerce website without knowing or disclosing that it is damaged Which two ethical problems is the seller engaged in? Choose 2 answers.

A. Conflict of interest
B. Breach of contract
C. Misrepresentation
D. Negligence

Answer: C,D

NEW QUESTION # 43
A tech worker's computer acts abnormally shortly after the worker starts their shift. The computer is up-to- date on all relevant patches and updates. The installed antivirus software has not identified any malicious code. During the investigation, the worker discovers that an attacker compromised the system, even though the worker did not engage in any behavior that could have introduced a virus or other external malicious software into the computer.
Which method of attack was used to compromise the worker's machine?

A. Blended threat
B. Zero-day exploit
C. Trojan horse
D. Spear phishing

Answer: B

NEW QUESTION # 44
An insurance company develops an artificial intelligence (Al) system to manage claims automatically.
Although this technology benefits most customers, people from neighborhoods associated with a low socioeconomic status find it harder to get their claims approved. The company decides to keep using the system.
Which ethical theory justifies the company to come to this decision?

A. Deontology
B. Pluralism
C. Utilitarianism
D. Virtue ethics

Answer: C

Explanation:
The decision made by the insurance company aligns with utilitarianism, an ethical theory that evaluates actions based on their overall consequences and aims to maximize happiness or well-being for the greatest number of people.
Why Utilitarianism?
* The company continues using the AI system because it benefits the majority of customers, even though it negatively affects a marginalized group.
* Utilitarianism, as defined by Jeremy Bentham and later refined by John Stuart Mill, prioritizes actions that generate the most favorable outcomes for the largest number of individuals.
* Since the AI system increases efficiency and improves claim processing for most customers, the company may justify its use under "the greatest happiness principle."
* However, utilitarianism can be criticized for neglecting minority groups if their suffering is outweighed by the benefits to the majority, as seen in this case.
* A. Pluralism: Pluralism acknowledges multiple moral values but does not necessarily justify sacrificing fairness for efficiency. The company's decision does not reflect a commitment to balancing competing moral principles.
* C. Virtue Ethics: Virtue ethics, based on Aristotle's philosophy, emphasizes moral character and virtues such as justice and fairness. A company operating under virtue ethics would likely strive to ensure fairness for all customers rather than prioritizing overall utility.
* D. Deontology: Deontology, rooted in Immanuel Kant's philosophy, focuses on duty, rights, and moral rules. A deontologist would argue that it is unethical to use a system that discriminates against certain groups, even if it benefits the majority.
Why Not the Other Theories?Thus, the correct ethical framework that justifies the company's decision is utilitarianism because it prioritizes the greater good, even at the expense of fairness for a smaller group.
* Mill, J. S. (1863). Utilitarianism. London: Parker, Son, and Bourn.
* Bentham, J. (1789). An Introduction to the Principles of Morals and Legislation. Oxford: Clarendon Press.
* Floridi, L. (2013). The Ethics of Information. Oxford University Press.
* Binns, R. (2018). "Fairness in Machine Learning: Lessons from Political Philosophy." Proceedings of the 2018 Conference on Fairness, Accountability, and Transparency (FAT).
References in Ethics in Technology:

NEW QUESTION # 45
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First-Grade Ethics-In-Technology Knowledge Points & Latest Ethics-In-Technology Actual Test Ensure You a High Passing Rate

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WGU Ethics In Technology QCO1 Sample Questions (Q40-Q45):

Free PDF Quiz 2025 The Best WGU Ethics-In-Technology: WGU Ethics In Technology QCO1 Knowledge Points

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