When a firm's management chooses not to pay out dividends from its free cash flow, it develops ________ that may lead to high agency costs

The Fair Credit Reporting Act:

A. has no application to the workplace. B. prevents employers from conducting credit checks on employees and applicants. C. requires notice to and consent by the individual before an employer can have a background check done by a consumer-reporting agency. D. requires an applicant to provide information about their credit worthiness to employers, upon their request.

How has the implementation of the National Do Not Call Registry changed telephone marketing?

What will be an ideal response?