COLORADO DEBT COLLECTION COMPLIANCE
CERTIFICATION EXAM QUESTIONS AND CORRECT
ANSWERS (VERIFIED ANSWERS) Q&A
2026|INSTANT DOWNLOAD PDF
1. Which law primarily governs debt collection practices in the
United States?
A. HIPAA
B. FDCPA
C. OSHA
D. FCRA
Rationale: The Fair Debt Collection Practices Act regulates
third-party debt collection behavior.
Correct Answer: B. FDCPA
2. Under FDCPA, when can a debt collector contact a
consumer?
A. Anytime during the day
B. Only between 8 a.m. and 9 p.m.
C. Only on weekends
D. Only after court approval
Rationale: FDCPA restricts contact times to reasonable hours.
Correct Answer: B. Only between 8 a.m. and 9 p.m.
,3. A debt collector must provide a validation notice within
how many days of initial contact?
A. 5 days
B. 10 days
C. 30 days
D. 60 days
Rationale: FDCPA requires validation notice within 5 days of
first contact.
Correct Answer: A. 5 days
4. Which action is prohibited under FDCPA?
A. Sending written notices
B. Calling the debtor
C. Harassment or abuse
D. Verifying debt
Rationale: Harassment is strictly prohibited.
Correct Answer: C. Harassment or abuse
5. A consumer disputes a debt in writing. What must the
collector do?
A. Continue collection immediately
B. Cease collection until verification is provided
C. Double the debt
D. Report to employer
,Rationale: Collection must stop until verification is sent.
Correct Answer: B. Cease collection until verification is provided
6. Which agency enforces the FDCPA?
A. FTC
B. FBI
C. IRS
D. DEA
Rationale: The Federal Trade Commission enforces debt
collection rules.
Correct Answer: A. FTC
7. What type of communication is generally prohibited at a
consumer’s workplace?
A. Written mail
B. Phone calls if employer prohibits them
C. Email
D. Postal notices
Rationale: Workplace contact is restricted if employer disallows
it.
Correct Answer: B. Phone calls if employer prohibits them
8. Which of the following is considered harassment under
FDCPA?
, A. Sending a statement
B. Repeated calls intended to annoy
C. Offering payment plans
D. Sending email notices
Rationale: Repeated annoying calls qualify as harassment.
Correct Answer: B. Repeated calls intended to annoy
9. The Fair Credit Reporting Act (FCRA) regulates:
A. Tax collection
B. Credit reporting accuracy
C. Police reports
D. Insurance claims
Rationale: FCRA governs credit information reporting.
Correct Answer: B. Credit reporting accuracy
10. A debt collector must identify themselves during
communication. This is called:
A. Disclosure requirement
B. Identity masking
C. Silent collection
D. Credit masking
Rationale: Collectors must clearly identify themselves.
Correct Answer: A. Disclosure requirement
CERTIFICATION EXAM QUESTIONS AND CORRECT
ANSWERS (VERIFIED ANSWERS) Q&A
2026|INSTANT DOWNLOAD PDF
1. Which law primarily governs debt collection practices in the
United States?
A. HIPAA
B. FDCPA
C. OSHA
D. FCRA
Rationale: The Fair Debt Collection Practices Act regulates
third-party debt collection behavior.
Correct Answer: B. FDCPA
2. Under FDCPA, when can a debt collector contact a
consumer?
A. Anytime during the day
B. Only between 8 a.m. and 9 p.m.
C. Only on weekends
D. Only after court approval
Rationale: FDCPA restricts contact times to reasonable hours.
Correct Answer: B. Only between 8 a.m. and 9 p.m.
,3. A debt collector must provide a validation notice within
how many days of initial contact?
A. 5 days
B. 10 days
C. 30 days
D. 60 days
Rationale: FDCPA requires validation notice within 5 days of
first contact.
Correct Answer: A. 5 days
4. Which action is prohibited under FDCPA?
A. Sending written notices
B. Calling the debtor
C. Harassment or abuse
D. Verifying debt
Rationale: Harassment is strictly prohibited.
Correct Answer: C. Harassment or abuse
5. A consumer disputes a debt in writing. What must the
collector do?
A. Continue collection immediately
B. Cease collection until verification is provided
C. Double the debt
D. Report to employer
,Rationale: Collection must stop until verification is sent.
Correct Answer: B. Cease collection until verification is provided
6. Which agency enforces the FDCPA?
A. FTC
B. FBI
C. IRS
D. DEA
Rationale: The Federal Trade Commission enforces debt
collection rules.
Correct Answer: A. FTC
7. What type of communication is generally prohibited at a
consumer’s workplace?
A. Written mail
B. Phone calls if employer prohibits them
C. Email
D. Postal notices
Rationale: Workplace contact is restricted if employer disallows
it.
Correct Answer: B. Phone calls if employer prohibits them
8. Which of the following is considered harassment under
FDCPA?
, A. Sending a statement
B. Repeated calls intended to annoy
C. Offering payment plans
D. Sending email notices
Rationale: Repeated annoying calls qualify as harassment.
Correct Answer: B. Repeated calls intended to annoy
9. The Fair Credit Reporting Act (FCRA) regulates:
A. Tax collection
B. Credit reporting accuracy
C. Police reports
D. Insurance claims
Rationale: FCRA governs credit information reporting.
Correct Answer: B. Credit reporting accuracy
10. A debt collector must identify themselves during
communication. This is called:
A. Disclosure requirement
B. Identity masking
C. Silent collection
D. Credit masking
Rationale: Collectors must clearly identify themselves.
Correct Answer: A. Disclosure requirement
