FDCPA STUDY GUIDE EXAM 2026/2027 QUESTIONS
AND SOLUTIONS RATED A+
✔✔A collector at First Collection Company has not been able to reach John, a
consumer, at home. The collector obtains John's work telephone number and calls him
at work. John tells the collector not to call him at work again because personal calls are
prohibited by his employer. What should the collector do?
a. Tell John that he must provide such a prohibition in writing before it will
be effective
b. Refrain from calling John at work
c. Tell John that calls to him at work will cease if he can be reached at
another place
d. Ask John to have his employer's representative call the collector to verify the
statement - ✔✔b. Refrain from calling John at work
✔✔Which of the following actions is most likely to be prohibited under the Fair Debt
Collection Practices Act?
a. Pursuant to a corporate policy, individual collectors using an alias when contacting
consumers
b. Calling a consumer's neighbors to leave messages when the consumer has a
telephone
c. Telling a consumer that a lawsuit would cause the consumer inconvenience and
embarrassment
d. Referring to the fact that a consumer could be subjected to criminal
prosecution for issuing bad checks - ✔✔b. Calling a consumer's neighbors to leave
messages when the consumer has a telephone
✔✔Which of the following communications would NOT be considered a deceptive
communication under the Fair Debt Collection Practices Act?
a. Reporting a disputed debt to a credit bureau without reporting it
as disputed
b. Giving the consumer a disclosure that this is an attempt to collect a debt and any
information used will be used for that purpose
c. Sending the consumer a letter that appears to be a telegram from a debt collection
service regarding his or her thirty-day-past-due account that requests payment
d. Sending the consumer a letter stating that the account will be sent to
an attorney for legal action within 10 days, when no such action is
actually intended - ✔✔b. Giving the consumer a disclosure that this is an attempt to
collect a debt and any information used will be used for that purpose
✔✔Which of the following actions is NOT considered abuse or harassment under the
Fair Debt Collections Practice Act?
a. Publishing a list of consumers who allegedly refuse to pay debts
b. Using obscene, profane, or abusive language when calling a consumer
c. Providing a toll-free number for the consumer to call to inquire about
, the debt
d. Calling a consumer every hour on the hour - ✔✔c. Providing a toll-free number for the
consumer to call to inquire about the debt
✔✔When is a bank NOT required to comply with the Fair Debt Collection
Practices Act?
a. When it uses a name other than its own in the collection of its debts
b. When it uses the U.S. mail to contact defaulted loan customers of its
correspondent banks
c. When it uses its own name to collect its debts and those of
affiliated institutions
d. When it collects debts regularly for other institutions under a
reciprocity agreement - ✔✔c. When it uses its own name to collect its debts and those
of affiliated institutions
✔✔ What is the purpose of FDCPA? - ✔✔Designed to eliminate abusive, deceptive, and
unfair debt collection practices. It also protects the reputable debt collectors from unfair
competition and encourages state action to protect consumers from abuse in debt
collection.
✔✔What debts are covered under the FDCPA? - ✔✔FDCPA is only application to the
collection of debts incurred by a consumer primarily for personal, family, or household
purposes
✔✔What is a covered debt collector under FDCPA? - ✔✔1. Any person who uses any
method of communication that crosses state lines or mail in any business whose
principal purpose is debt collection
2. Any person who regularly collects, or attempts to collect, debts owed to another
person
3. A creditor, who in the process of collecting its own debts, uses a name other than the
creditor's own, which would indicate that a third party is collecting the debt
✔✔What is considered an attempt to communicate? - ✔✔Any act to initiate a
communication or other contact about a debt with any person through any medium,
including by soliciting a response from such person.
✔✔What is a limited content message? And what type of communication is a limited
content message? - ✔✔A voicemail is considered a limited content message; therefore,
it is not considered a communication. However, it is considered an attempt to
communicate.
✔✔What is considered a communication? - ✔✔The conveying of information regarding
a debt directly or indirectly to any person through any medium.
AND SOLUTIONS RATED A+
✔✔A collector at First Collection Company has not been able to reach John, a
consumer, at home. The collector obtains John's work telephone number and calls him
at work. John tells the collector not to call him at work again because personal calls are
prohibited by his employer. What should the collector do?
a. Tell John that he must provide such a prohibition in writing before it will
be effective
b. Refrain from calling John at work
c. Tell John that calls to him at work will cease if he can be reached at
another place
d. Ask John to have his employer's representative call the collector to verify the
statement - ✔✔b. Refrain from calling John at work
✔✔Which of the following actions is most likely to be prohibited under the Fair Debt
Collection Practices Act?
a. Pursuant to a corporate policy, individual collectors using an alias when contacting
consumers
b. Calling a consumer's neighbors to leave messages when the consumer has a
telephone
c. Telling a consumer that a lawsuit would cause the consumer inconvenience and
embarrassment
d. Referring to the fact that a consumer could be subjected to criminal
prosecution for issuing bad checks - ✔✔b. Calling a consumer's neighbors to leave
messages when the consumer has a telephone
✔✔Which of the following communications would NOT be considered a deceptive
communication under the Fair Debt Collection Practices Act?
a. Reporting a disputed debt to a credit bureau without reporting it
as disputed
b. Giving the consumer a disclosure that this is an attempt to collect a debt and any
information used will be used for that purpose
c. Sending the consumer a letter that appears to be a telegram from a debt collection
service regarding his or her thirty-day-past-due account that requests payment
d. Sending the consumer a letter stating that the account will be sent to
an attorney for legal action within 10 days, when no such action is
actually intended - ✔✔b. Giving the consumer a disclosure that this is an attempt to
collect a debt and any information used will be used for that purpose
✔✔Which of the following actions is NOT considered abuse or harassment under the
Fair Debt Collections Practice Act?
a. Publishing a list of consumers who allegedly refuse to pay debts
b. Using obscene, profane, or abusive language when calling a consumer
c. Providing a toll-free number for the consumer to call to inquire about
, the debt
d. Calling a consumer every hour on the hour - ✔✔c. Providing a toll-free number for the
consumer to call to inquire about the debt
✔✔When is a bank NOT required to comply with the Fair Debt Collection
Practices Act?
a. When it uses a name other than its own in the collection of its debts
b. When it uses the U.S. mail to contact defaulted loan customers of its
correspondent banks
c. When it uses its own name to collect its debts and those of
affiliated institutions
d. When it collects debts regularly for other institutions under a
reciprocity agreement - ✔✔c. When it uses its own name to collect its debts and those
of affiliated institutions
✔✔ What is the purpose of FDCPA? - ✔✔Designed to eliminate abusive, deceptive, and
unfair debt collection practices. It also protects the reputable debt collectors from unfair
competition and encourages state action to protect consumers from abuse in debt
collection.
✔✔What debts are covered under the FDCPA? - ✔✔FDCPA is only application to the
collection of debts incurred by a consumer primarily for personal, family, or household
purposes
✔✔What is a covered debt collector under FDCPA? - ✔✔1. Any person who uses any
method of communication that crosses state lines or mail in any business whose
principal purpose is debt collection
2. Any person who regularly collects, or attempts to collect, debts owed to another
person
3. A creditor, who in the process of collecting its own debts, uses a name other than the
creditor's own, which would indicate that a third party is collecting the debt
✔✔What is considered an attempt to communicate? - ✔✔Any act to initiate a
communication or other contact about a debt with any person through any medium,
including by soliciting a response from such person.
✔✔What is a limited content message? And what type of communication is a limited
content message? - ✔✔A voicemail is considered a limited content message; therefore,
it is not considered a communication. However, it is considered an attempt to
communicate.
✔✔What is considered a communication? - ✔✔The conveying of information regarding
a debt directly or indirectly to any person through any medium.
