Fair Debt Collection Practices Act Exam
2026 Questions and Answers
FDCPA: In General - Correct answer-The federal FDCPA regulates the collection
of consumer debt by third-party debt collectors.
Key Statutory Definitions: Consumer - Correct answer-Consumer means any
natural person obligated or allegedly obligated to pay any debt.
Key Statutory Definitions: Creditor - Correct answer-Creditor means any person
who offers or extends credit creating a debt or to whom a debt is owed.
Key Statutory Definitions: Debt - Correct answer-Debt means any obligation of a
consumer to pay money arising out of a transaction primarily for personal, family,
or household purposes.
Key Statutory Definitions: Debt Collector--In General - Correct answer-"Debt
collector" means any person who uses any instrumentality of interstate commerce
or the mails in any business: (1) the principal purpose of which is the collection of
debts owed to others; or (2) who regularly collects or attempts to collect debts
owed to another.
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, The term includes any creditor who, in the process of collecting his own debts,
uses any name other than his own which would indicate that a third person is
collecting such debts.
Key Statutory Definitions: Debt Collector--Attorneys - Correct answer-An attorney
who regularly engages in debt collection for clients is a "debt collector" under the
Act.
Key Statutory Definitions: Debt Collector--Exclusions - Correct answer-1) Any
employee of a creditor collecting debts in the name of the creditor;
2) Any person while acting as a debt collector for another person, both of whom
are related by common ownership, if the persona acting as a debt collector does so
only for persons to whom it is so related and if the principal business of such
person is not the collection of debts;
3) Any officer or employee of the US or any State to the extent that collecting or
attempting to collect any debt is in the performance of official duties;
4) Any person while serving or attempting to serve legal process on any other
person in connection with the judicial enforcement of any debt;
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2026 Questions and Answers
FDCPA: In General - Correct answer-The federal FDCPA regulates the collection
of consumer debt by third-party debt collectors.
Key Statutory Definitions: Consumer - Correct answer-Consumer means any
natural person obligated or allegedly obligated to pay any debt.
Key Statutory Definitions: Creditor - Correct answer-Creditor means any person
who offers or extends credit creating a debt or to whom a debt is owed.
Key Statutory Definitions: Debt - Correct answer-Debt means any obligation of a
consumer to pay money arising out of a transaction primarily for personal, family,
or household purposes.
Key Statutory Definitions: Debt Collector--In General - Correct answer-"Debt
collector" means any person who uses any instrumentality of interstate commerce
or the mails in any business: (1) the principal purpose of which is the collection of
debts owed to others; or (2) who regularly collects or attempts to collect debts
owed to another.
©COPYRIGHT 2025, ALL RIGHTS RESERVE 1
, The term includes any creditor who, in the process of collecting his own debts,
uses any name other than his own which would indicate that a third person is
collecting such debts.
Key Statutory Definitions: Debt Collector--Attorneys - Correct answer-An attorney
who regularly engages in debt collection for clients is a "debt collector" under the
Act.
Key Statutory Definitions: Debt Collector--Exclusions - Correct answer-1) Any
employee of a creditor collecting debts in the name of the creditor;
2) Any person while acting as a debt collector for another person, both of whom
are related by common ownership, if the persona acting as a debt collector does so
only for persons to whom it is so related and if the principal business of such
person is not the collection of debts;
3) Any officer or employee of the US or any State to the extent that collecting or
attempting to collect any debt is in the performance of official duties;
4) Any person while serving or attempting to serve legal process on any other
person in connection with the judicial enforcement of any debt;
©COPYRIGHT 2025, ALL RIGHTS RESERVE 2
