FDCPA – Final Practice Test
Multiple Choice
1. The FDCPA primarily regulates:
a) All creditors
b) Debt collectors collecting on behalf of others
c) Banks issuing loans
d) Consumers filing bankruptcy
2. Under the FDCPA, a debt collector must send a validation notice
within how many days of initial contact?
a) 3 days
b) 5 days
c) 10 days
d) 30 days
3. A consumer has how many days to dispute a debt after receiving
a validation notice?
a) 5 days
b) 10 days
c) 30 days
d) 60 days
4. Debt collectors are generally prohibited from calling consumers
before:
a) 6:00 a.m.
b) 7:00 a.m.
c) 8:00 a.m.
d) 9:00 a.m.
5. Debt collectors may NOT:
a) Identify themselves
b) Use obscene or abusive language
