The FTC Disposal Rule requires a loan originator to use to ensure that unauthorized access to or use of consumer information cannot occur as a result of its disposal.

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Solution: the categorization of functional and non-functional requirement are as follows: some of the more typical functional requirements include: • business rules• transaction corrections, adjustments and cancellations• administrative functions• authentication• authorization levels• audit tracking• external interfaces• certification requirements• reporting requirements• historical data• legal or regulatory requirementswhile,some typical non-functional requirements are: • performance – for example response time, throughput, utilization, static volumetric• scalability• capacity• availability• reliability• recoverability• maintainability• serviceability• security• regulatory• manageability• environmental• data integrity• usability• interoperability