Which factor is NOT part of the Five Cs of credit used by lenders?

The Five Cs of credit are a framework that lenders use to evaluate the creditworthiness of a borrower. These factors include Character, Capacity, Capital, Conditions, and Collateral.

Among these, "Currency" is not included in the Five Cs. Instead, the associated considerations revolve around the borrower's past behavior (Character), the ability to repay the loan (Capacity), the borrower's financial situation and net worth (Capital), the terms and environment of the loan and its broader economic implications (Conditions), and any assets pledged to secure the loan (Collateral).

Therefore, "Currency" does not fit within the established parameters used to assess a borrower’s credit risk, making it the correct choice for this question. This distinction helps ensure that lenders focus on established and relevant criteria for evaluating potential borrowers.