Oregon Construction Contractors (CCB) Practice Test

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What is an example of an improper deduction from an employee's paycheck?

Health insurance premiums
Union dues
Personal loan repayments
Federal tax withholding

The correct answer is: Personal loan repayments

An improper deduction from an employee's paycheck refers to amounts taken out that are not legally allowed or do not align with the applicable laws. Personal loan repayments fall into this category because they are considered voluntary deductions. Unlike health insurance premiums, union dues, and federal tax withholdings, which are typically mandated by employment agreements, laws, or regulations, personal loan repayments require explicit consent from the employee and can only be deducted if there is a specific agreement in place. Health insurance premiums, union dues, and federal tax withholding are generally lawful deductions that serve specific purposes: health insurance for medical coverage, union dues for union membership support, and tax withholdings for government revenue. Without a proper agreement regarding personal loans, deducting those amounts could lead to legal issues related to employee rights and payroll practices.