5. must an unfair or deceptive act or practice be intentional? a. yes. if the bank did not intend to deceive the customer, there is no violation b. no. courts and banking regulators consider the effect that the bank's conduct might possibly have on the general public or on the people to whom the bank advertised the product c. yes. but the customer must provide that the bank profited from the deceptive or unfair act d. no, unless the bank's regulatory disclosures are also unfair or deceptive