FDCPA COMPREHENSIVE EXAMS SET
BUNDLE 2026 QUESTIONS WITH ANSWERS
GRADED A+
⩥ Year FDCPA was passed. Answer: It was passed into law in 1978
⩥ Agencies responsible for enforcement of FDCPA. Answer: FTC and
CFPB
⩥ Who does FDCPA apply to?. Answer: Attorneys, 3rd party collection
agencies, consumers
⩥ Cease and Desist. Answer: If a consumer states in writing not to call
them anymore, we can contact them ONE more time to communicate the
following: Notify that further collection efforts are being terminated,
Notify that specific actions may be taken, Notify of intent to take
specific actions
⩥ Collector action on cease and desist. Answer: Mark the account as
verbal cease and desist
⩥ Location information acquisition. Answer: Identify who you are (first
and last name), State you are trying to find location information for the
consumer, Only identify your employer (CBE) if expressly asked
, ⩥ Location information. Answer: Consumer's home address, Consumer's
home phone number, Consumer's place of employment
⩥ Calling skip tracing source back. Answer: If a return call is requested
⩥ Attorney handling consumer's account. Answer: Obtain the attorney's
name, address, phone number and cease communications with the
consumer
⩥ Third-party disclosure. Answer: Communicating debt to anyone
except consumer without consent
⩥ Who is considered a third party?. Answer: Anyone other than the
consumer or consumer's spouse
⩥ States requiring permission to speak with spouse. Answer: CT, AZ,
SC, TN, IA, NH, GA
⩥ Spouse permission to speak to third party. Answer: No
⩥ Who can give permission to speak to a third party?. Answer: The
consumer
BUNDLE 2026 QUESTIONS WITH ANSWERS
GRADED A+
⩥ Year FDCPA was passed. Answer: It was passed into law in 1978
⩥ Agencies responsible for enforcement of FDCPA. Answer: FTC and
CFPB
⩥ Who does FDCPA apply to?. Answer: Attorneys, 3rd party collection
agencies, consumers
⩥ Cease and Desist. Answer: If a consumer states in writing not to call
them anymore, we can contact them ONE more time to communicate the
following: Notify that further collection efforts are being terminated,
Notify that specific actions may be taken, Notify of intent to take
specific actions
⩥ Collector action on cease and desist. Answer: Mark the account as
verbal cease and desist
⩥ Location information acquisition. Answer: Identify who you are (first
and last name), State you are trying to find location information for the
consumer, Only identify your employer (CBE) if expressly asked
, ⩥ Location information. Answer: Consumer's home address, Consumer's
home phone number, Consumer's place of employment
⩥ Calling skip tracing source back. Answer: If a return call is requested
⩥ Attorney handling consumer's account. Answer: Obtain the attorney's
name, address, phone number and cease communications with the
consumer
⩥ Third-party disclosure. Answer: Communicating debt to anyone
except consumer without consent
⩥ Who is considered a third party?. Answer: Anyone other than the
consumer or consumer's spouse
⩥ States requiring permission to speak with spouse. Answer: CT, AZ,
SC, TN, IA, NH, GA
⩥ Spouse permission to speak to third party. Answer: No
⩥ Who can give permission to speak to a third party?. Answer: The
consumer
