FDCPA MAIN EXAMINATION SET 2026/2027
QUESTIONS AND SOLUTIONS RATED A+
✔✔What are the FOUR prohibited debt collector practices? - ✔✔1. A debt collector may
not engage in any conduct the natural consequence of which is to harass, oppress, or
abuse any person in connection with the collection of a debt.
2. A debt collector may not cause a person's telephone to ring or engage any person in
telephone conversations repeatedly or continuously with intent to annoy, abuse, or
harass. A debt collector can't call a person more than seven times within a seven day
period.
3. A debt collector may not use any false, deceptive, or misleading representation or
means to collect or attempt to collect a debt.
4. A debt collector may not use unfair or unconscionable means to collect or attempt to
collect a debt.
✔✔What is the record retention requirements under FDCPA? - ✔✔A debt collector must
retain records that are evidence of compliance or noncompliance with the FDCPA and
Regulation F starting on the date that the collector begins collection activity on the debt
and until at least three years after the last collection activity on the debt. A debt collector
must retain any recordings of telephone calls in connection with the collection of a debt
for three years after the date of the call.
✔✔Which of these is NOT an example of using an instrumentality of interstate
commerce in debt collection?
A. Sending a debt collection letter via US mail to another state
B. Making a phone call to a debtor in another state
C. Sending a text message across state lines
D. Visiting the debtor in person in the same town - ✔✔D. Visiting the debtor in person in
the same town
✔✔The principal purpose of XYZ Collections is collecting debts owed to other people.
XYZ sends demand letters by mail and makes phone calls to debtors across state lines.
Under the FDCPA, XYZ is:
A. Not a debt collector because they don't own the debts
B. A debt collector because their main business is collecting debts owed to others
C. A creditor because they collect debts
D. Not covered by the FDCPA because they only use the mail - ✔✔B. A debt collector
because their main business is collecting debts owed to others
✔✔The FDCPA applies to:
A. Creditors collecting their own debts under their own names
B. Attorneys who collect debts on behalf of others and regularly engage in debt
collection
C. Friends helping collect a personal loan
QUESTIONS AND SOLUTIONS RATED A+
✔✔What are the FOUR prohibited debt collector practices? - ✔✔1. A debt collector may
not engage in any conduct the natural consequence of which is to harass, oppress, or
abuse any person in connection with the collection of a debt.
2. A debt collector may not cause a person's telephone to ring or engage any person in
telephone conversations repeatedly or continuously with intent to annoy, abuse, or
harass. A debt collector can't call a person more than seven times within a seven day
period.
3. A debt collector may not use any false, deceptive, or misleading representation or
means to collect or attempt to collect a debt.
4. A debt collector may not use unfair or unconscionable means to collect or attempt to
collect a debt.
✔✔What is the record retention requirements under FDCPA? - ✔✔A debt collector must
retain records that are evidence of compliance or noncompliance with the FDCPA and
Regulation F starting on the date that the collector begins collection activity on the debt
and until at least three years after the last collection activity on the debt. A debt collector
must retain any recordings of telephone calls in connection with the collection of a debt
for three years after the date of the call.
✔✔Which of these is NOT an example of using an instrumentality of interstate
commerce in debt collection?
A. Sending a debt collection letter via US mail to another state
B. Making a phone call to a debtor in another state
C. Sending a text message across state lines
D. Visiting the debtor in person in the same town - ✔✔D. Visiting the debtor in person in
the same town
✔✔The principal purpose of XYZ Collections is collecting debts owed to other people.
XYZ sends demand letters by mail and makes phone calls to debtors across state lines.
Under the FDCPA, XYZ is:
A. Not a debt collector because they don't own the debts
B. A debt collector because their main business is collecting debts owed to others
C. A creditor because they collect debts
D. Not covered by the FDCPA because they only use the mail - ✔✔B. A debt collector
because their main business is collecting debts owed to others
✔✔The FDCPA applies to:
A. Creditors collecting their own debts under their own names
B. Attorneys who collect debts on behalf of others and regularly engage in debt
collection
C. Friends helping collect a personal loan
