FDCPA TEST PAPER 2026/2027 QUESTIONS AND
SOLUTIONS RATED A+
✔✔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
D. Landlords collecting overdue rent themselves - ✔✔B. Attorneys who collect debts on
behalf of others and regularly engage in debt collection
✔✔A debt collector may not:
A. Call a consumer's workplace if they know the employer doesn't allow such calls
B. Tell the consumer that they are calling to collect a debt
C. Provide written validation notice of the debt
D. Sue the consumer in the judicial district where the consumer lives - ✔✔A. Call a
consumer's workplace if they know the employer doesn't allow such calls
✔✔Which of these actions is prohibited under the FDCPA?
A. Threatening legal action that the collector does not intend to take
B. Suing the consumer in the country where the contract was signed
, C. Reporting a debt to a credit bureau
D. Communicating with the consumer's attorney at the attorney's request - ✔✔A.
Threatening legal action that the collector does not intend to take
✔✔When may a debt collector communicate with third parties about the consumer?
a. If the consumer has defaulted on the credit obligation
b. To determine the consumer's employment
c. If the collector identifies himself or herself as a debt collector
d. To determine the consumer's location - ✔✔d. To determine the consumer's location
✔✔Which of the following activities of First National Bank would most likely be covered
by the Fair Debt Collection Practices Act?
a. Collection of consumer credit accounts that the bank originated in its
consumer lending department
b. Servicing of mortgage loans originated by First National and sold to investors
c. Servicing of a consumer loan portfolio under contract to an investor who purchased
an entire portfolio of consumer loans from a failed bank
d. Collection of consumer credit contracts purchased from automobile dealers - ✔✔c.
Servicing of a consumer loan portfolio under contract to an investor who purchased an
entire portfolio of consumer loans from a failed bank
✔✔Which of the following actions is allowed under the Fair Debt Collection
Practices Act?
a. Sending a communication that looks like a telegram to a consumer by
regular mail
b. Sending a postcard to a consumer asking for payment of the past
due balance
c. Accepting certain postdated checks
d. Requiring consumers to pay collection fees not authorized by the contract when they
pay the balance of their accounts - ✔✔c. Accepting certain postdated checks
✔✔Which of the following is the correct response to consumer written requests that they
not be contacted again by debt collectors?
a. Collectors may send final demand letters.
b. Collectors may send letters explaining that defaulted obligations are being turned
over to attorneys for legal action.
c. Collectors may call and ask for verification of requests to
cease communications.
d. Collectors may send letters that remind debtors of their legal obligations under the
credit contracts. - ✔✔b. Collectors may send letters explaining that defaulted obligations
are being turned over to attorneys for legal action.
✔✔A collector for First Collection Company, located in Chicago, makes calls to
consumers all over the country. He is responsible for 50 past-due accounts. Each day
SOLUTIONS RATED A+
✔✔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
D. Landlords collecting overdue rent themselves - ✔✔B. Attorneys who collect debts on
behalf of others and regularly engage in debt collection
✔✔A debt collector may not:
A. Call a consumer's workplace if they know the employer doesn't allow such calls
B. Tell the consumer that they are calling to collect a debt
C. Provide written validation notice of the debt
D. Sue the consumer in the judicial district where the consumer lives - ✔✔A. Call a
consumer's workplace if they know the employer doesn't allow such calls
✔✔Which of these actions is prohibited under the FDCPA?
A. Threatening legal action that the collector does not intend to take
B. Suing the consumer in the country where the contract was signed
, C. Reporting a debt to a credit bureau
D. Communicating with the consumer's attorney at the attorney's request - ✔✔A.
Threatening legal action that the collector does not intend to take
✔✔When may a debt collector communicate with third parties about the consumer?
a. If the consumer has defaulted on the credit obligation
b. To determine the consumer's employment
c. If the collector identifies himself or herself as a debt collector
d. To determine the consumer's location - ✔✔d. To determine the consumer's location
✔✔Which of the following activities of First National Bank would most likely be covered
by the Fair Debt Collection Practices Act?
a. Collection of consumer credit accounts that the bank originated in its
consumer lending department
b. Servicing of mortgage loans originated by First National and sold to investors
c. Servicing of a consumer loan portfolio under contract to an investor who purchased
an entire portfolio of consumer loans from a failed bank
d. Collection of consumer credit contracts purchased from automobile dealers - ✔✔c.
Servicing of a consumer loan portfolio under contract to an investor who purchased an
entire portfolio of consumer loans from a failed bank
✔✔Which of the following actions is allowed under the Fair Debt Collection
Practices Act?
a. Sending a communication that looks like a telegram to a consumer by
regular mail
b. Sending a postcard to a consumer asking for payment of the past
due balance
c. Accepting certain postdated checks
d. Requiring consumers to pay collection fees not authorized by the contract when they
pay the balance of their accounts - ✔✔c. Accepting certain postdated checks
✔✔Which of the following is the correct response to consumer written requests that they
not be contacted again by debt collectors?
a. Collectors may send final demand letters.
b. Collectors may send letters explaining that defaulted obligations are being turned
over to attorneys for legal action.
c. Collectors may call and ask for verification of requests to
cease communications.
d. Collectors may send letters that remind debtors of their legal obligations under the
credit contracts. - ✔✔b. Collectors may send letters explaining that defaulted obligations
are being turned over to attorneys for legal action.
✔✔A collector for First Collection Company, located in Chicago, makes calls to
consumers all over the country. He is responsible for 50 past-due accounts. Each day
