Regulatory Compliance & Legal Framework Flashcards
7 cards from real CFP practice questions. Tap to flip, then mark Knew It or Still Learning — missed cards come back until you master them.
Read the first 7 Regulatory Compliance & Legal Framework flashcards as text
A fitness professional posts before-and-after client photos on social media without written consent. This primarily violates which legal principle?
Answer: Client privacy and consent rights
Using client images without written consent violates privacy rights and can expose the trainer to civil liability.
Under ADA (Americans with Disabilities Act), a fitness facility must provide reasonable accommodations to members with disabilities unless doing so would cause:
Answer: Undue hardship to the business
The ADA requires reasonable accommodations unless they impose undue hardship — meaning significant difficulty or expense — on the business.
A trainer works as an independent contractor at a gym. If a client is injured, the gym's liability exposure is generally:
Answer: Potentially reduced but not necessarily eliminated
Independent contractor status may reduce a gym's vicarious liability, but courts examine actual control over work to determine true employment status.
Which federal law governs the privacy of health information held by covered entities such as fitness facilities that handle medical records?
Answer: HIPAA
HIPAA (Health Insurance Portability and Accountability Act) governs the privacy and security of individually identifiable health information.
A personal trainer who makes specific claims that their program will cure a client's chronic disease is potentially violating:
Answer: FTC regulations against false health claims
The FTC prohibits deceptive or unsubstantiated health claims in advertising, and trainers making curative claims risk regulatory action.
A signed waiver of liability is most effective at protecting a fitness professional from claims arising from:
Answer: Ordinary negligence during a standard training session
Waivers are generally enforceable for ordinary negligence but courts typically will not uphold waivers that attempt to excuse gross negligence or intentional harm.
When a personal trainer supervises a minor client, parental or guardian consent is required primarily because:
Answer: Minors lack legal capacity to enter binding contracts
Minors cannot legally enter binding contracts, including liability waivers, so parental or guardian consent and signature are necessary.