Which of the following is considered a criminal violation under CFA/Reg. M?

The designated answer encompasses all the outlined actions as they each can lead to criminal violations under the CFA (Consumer Financial Protection Agency) and Regulation M, which governs the advertising and marketing of consumer leases.

Providing false information on a lease agreement is a serious offense, as it misleads consumers regarding the terms and conditions of the lease, potentially affecting their financial obligations and rights. Criminal repercussions for such misconduct can arise from misrepresentation and fraud.

Failing to disclose required information can also constitute a criminal violation, as it impedes the consumer's ability to make informed decisions. Transparency in financial agreements is mandated to protect consumers, and neglecting to provide pertinent information may warrant legal consequences.

Misleading marketing practices fall under deceptive business practices, which undermine consumer trust and the integrity of the financial market. This type of conduct can lead to significant ramifications, including legal action.

The inclusion of all these actions as criminal violations under CFA/Reg. M emphasizes the importance of ethical standards in financial dealings and the necessity for compliance with established regulations. This comprehensive understanding is essential for identifying violations and ensuring accountability in consumer finance.