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FDCPA Exam – Study Guide and Practice Questions-4.docx, Exams of Advanced Education

University of Buckingham (UB)Advanced Education

FDCPA Exam – Study Guide and Practice Questions-4.docx

Typology: Exams

2025/2026

Available from 02/25/2026

whitegiraffe69485
whitegiraffe69485 🇬🇧

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FDCPA Exam – Study Guide and Practice
Questions
What does FDCPA stand for? - correct answer ✔✔ Fair Debt Collection
Practices Act
What two government agencies govern or police the FDCPA? - correct answer
✔✔ The FTC and the CFPB
What does FTC stand for? - correct answer ✔✔ Federal Trade Commission
What does CFPB stand for? - correct answer ✔✔ Consumer Financial
Protection Bureau
Under regulation F, it is assumed to be a violation if we place a call to a
debtor more than how many times in a 7 day period? - correct answer ✔✔ 7
times
We may only contact a debtor between what hours local time at the debtor
location. (specify AM and PM) - correct answer ✔✔ 8AM to 9PM
The mini- Miranda right - correct answer ✔✔ This is an attempt to collect a
debt. Any information obtained will be used for that purpose.
What 3 pieces of information are considered location information according
to the FDCPA? - correct answer ✔✔ 1. Place of Employment
2. Debtor's phone number(S)
3.Debtor's address
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FDCPA Exam – Study Guide and Practice

Questions

What does FDCPA stand for? - correct answer ✔✔ Fair Debt Collection Practices Act What two government agencies govern or police the FDCPA? - correct answer ✔✔ The FTC and the CFPB What does FTC stand for? - correct answer ✔✔ Federal Trade Commission What does CFPB stand for? - correct answer ✔✔ Consumer Financial Protection Bureau Under regulation F, it is assumed to be a violation if we place a call to a debtor more than how many times in a 7 day period? - correct answer ✔✔ 7 times We may only contact a debtor between what hours local time at the debtor location. (specify AM and PM) - correct answer ✔✔ 8AM to 9PM The mini- Miranda right - correct answer ✔✔ This is an attempt to collect a debt. Any information obtained will be used for that purpose. What 3 pieces of information are considered location information according to the FDCPA? - correct answer ✔✔ 1. Place of Employment

  1. Debtor's phone number(S) 3.Debtor's address

When a debtor refuses to give any information concerning the attorney that represents them, according to company policy what do we tell the debtor? - correct answer ✔✔ NRS policy states to give the debtor 7 days to have the attorney contact us or to call us back with the attorney information. What two reasons can we call back a debtor after we have already been told that they have an attorney? ( The attorney info is provided or can easily be determined). - correct answer ✔✔ 1. The attorney fails to respond to debt collectors communication in a reasonable amount of time, ( 30 days per NRS)

  1. Attorney gives you permission to speak with the debtor. Under regulation F, how many days must we wait to call a debtor after having a telephone conversation with a debtor? - correct answer ✔✔ Debt collector must wait 7 days. When calling a 3rd party for skip tracing purposes, there are 3 rules we must follow. - correct answer ✔✔ 1. Never state that debt is owed 2.Only contact 1 time unless you have permission to call again, or incorrect/ incomplete information
  2. Never contact a 3rd party if you have good information already. List the 3 rules for post-dated checks. - correct answer ✔✔ 1.Never deposit a check early 2.Never use a check or series of checks as a threat
  3. You must send a reminder notice to the debtor no less than 3 days and no more than 10 business days before depositing post dated checks that are over 5 days due. If the FDCPA states we can call a place of employment and Arizona law states we must first call the residence before calling a place of employment, which rule would you follow and why? - correct answer ✔✔ I would follow Arizona's law because it takes precedence over FDCPA and it's more strict

When accepting post dated checks we must? - correct answer ✔✔ Confirm the date of the deposit and if more than 5 days in advanced send a reminder letter when the initial communication with a debtor is the call back message left on the debtors answering machine or voice mail, the collector must include the following message: - correct answer ✔✔ The disclaimer: if you are not ____________ please hang up..... along with the company mini Miranda rights An individual complaint for alleged violation of the FDCPA can result in? - correct answer ✔✔ 1. A fine up to 1,00 per action 2.Being assessed the court costs and attorney fees of the plaintiff 3.Penalties in the amount of the actual damages sustained If a debtor tells us of a time when calls are inconvenient then? - correct answer ✔✔ We are prohibited from calling at that time Notification that the debtor cannot receive personal calls at their place of employment means - correct answer ✔✔ May come from anyone at the employment, the consumer or their spouse for us to act upon it. In order to comply with regulation F, our initial validation letter was updated with new information, including which of the following: - correct answer ✔✔

  1. The validation period end date
  2. The consumer response information
  3. An itemization of the debt If a collector speaks with a debtor today and the debtor asks the collector to call them back in two days, under regulation F is the collector allowed to call them back in two days, or do they have to wait 7 days. - correct answer ✔✔ The collector can call the debtor in two days because the debtor gave them permission to do so during a time that is convenient for the debtor