Step 1: Find the ideal depression
If formic acid did not ionise ($i=1$), $\Delta T_f = 1.86\times0.02 = 0.0372$ K.
Step 2: Compare with observed
Observed depression is 0.045 K, so $i = \dfrac{0.045}{0.0372} = 1.21$. This is option (A).
Final Answer:
The factor is $i=1.21$, option (A).
\[ \boxed{1.21} \]