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FDCPA (Fair Debt Collection Practices Act) – Final Test – 2025–2026 – Practice Exam with Answer Key

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This final test review covers the key provisions of the Fair Debt Collection Practices Act (FDCPA), focusing on consumer rights, debt collector restrictions, communication rules, validation requirements, and prohibited practices. The exam includes multiple-choice and scenario-based questions designed to reinforce understanding of federal debt collection laws and compliance standards.

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FDCPA (Fair Debt Collection Practices Act) – Final Test –
2025–2026 – Practice Exam with Answer Key

What is the "Mini Miranda? - ANS✔✔ A required statement of intent.



What does the acronym FDCPA stand for? - ANS✔✔ Fair debt collection practices act.



What is the correct wording of Reliant's mini Miranda? - ANS✔✔ This is a communication with a
debt collector and an attempt to collect a debt. Any information obtained will be used for this
purpose.



Is it a violation of the FDCPA to require a consumer to pay immediately or today before the 30
day validation period has expired? - ANS✔✔ Yes, the consumer must be allowed a chance to
dispute.



When would the FDCPA not apply? - ANS✔✔ When Reliant's policy and state law is more
prohibitive.



A collector must cease further contact to a consumer's work phone when? - ANS✔✔ If
requested by anyone at the workplace or you have knowledge the employer prohibits the
consumer from receiving calls.



What requires you to cease contacting the consumer? - ANS✔✔ If the consumer tells you not to
call either by phone or in writing, if you know it is an inconvenient time to call or at their place
of employment and you were advised by the receptionist



Per Reliant's policy, how many contacts can you make with a consumer each day? - ANS✔✔
One, unless given permission to call again.

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