Question

who will often require collateral to minimize the risk associated with a loan?
the credit bureau
the lender
the borrower

Explanation:

A lender (such as a bank or financial institution) provides a loan and faces the risk of the borrower defaulting. To minimize this risk, the lender often requires collateral (an asset the borrower pledges, which the lender can claim if the borrower fails to repay the loan). A credit bureau's role is to collect and provide credit information, not to require collateral for loans. A borrower is the one receiving the loan and would not require collateral from themselves to minimize their own loan - related risk.

Answer:

B. the lender