What type of loans generally does not require permission from an employer?

The correct response pertains to loans from a bank. In general, loans originated by banks do not necessitate permission from an employer because they are formal financial transactions that typically involve standard credit evaluations and terms set by the lending institution. When a person applies for a bank loan, the bank relies on its assessment and the applicant's credit history rather than seeking approval from the applicant's employer.

In contrast, other types of loans might involve nuances that require employee permissions, particularly in the context of prohibited transactions as defined by regulatory bodies or firm policies. For instance, loans to registered clients might be subjected to compliance regulations that require disclosure or approval, especially if the transaction could create a conflict of interest. Similarly, loans to family members may need to be disclosed or approved depending on the firm's internal rules regarding personal lending and relationships. Loans for personal investments can also fall under scrutiny if they involve transactions that could affect the employee's work interests, thereby possibly requiring employer awareness or permission.

Overall, while various types of loans can have different requirements based on context, the standard practice with loans from a bank is to not involve employer permissions, primarily due to the structured and regulated nature of bank lending.