ADRA Study Guide 2026
Everything you need to pass the ADRA exam in one place: the exam format, every topic to study, real practice questions with explanations, flashcards, and full-length practice tests. Free, no sign-up needed.
ADRA exam key facts
- Candidates need a score of 75% to pass the IAPDA Certified Debt Specialist (CDS) certification exam. Source
- The IAPDA Certified Debt Specialist training and certification (Sales, Customer Service or Negotiations track) costs $350 per individual enrollment, with volume pricing from $300 down to $175 per credit for 11 or more credits. Source
- An IAPDA certification candidate can fail the exam twice, but a third failure means buying a new enrollment before retaking it. Source
📋 ADRA Exam Format at a Glance
📚 ADRA Topics to Study (69)
✍️ Sample ADRA Questions & Answers
1. Which federal agency has rulemaking authority over the TSR and shares enforcement of it with the CFPB and state attorneys general?
The FTC wrote and enforces the TSR, and the CFPB and state attorneys general can enforce it too.
2. Which approach to human resources & talent development security is MOST effective in Accredited Debt Relief Agent?
Defense in depth provides multiple layers of protection, so if one layer is compromised, others continue to provide security.
3. Under the Gramm-Leach-Bliley Safeguards Rule, what HR-related element must a debt relief firm's information security program include?
The Safeguards Rule requires training staff to implement the information security program protecting customer data.
4. A sales script says, 'Our clients typically save 60% on their debt.' Under the TSR, what must be true for this claim?
The FTC requires savings and success claims to be truthful and substantiated, which includes accounting for clients who drop out or never settle.
5. A client wants to leave the program and withdraw their dedicated account balance. Under the TSR, within how many business days must the funds (minus earned fees) be returned?
The TSR requires that funds be returned within seven business days of the client's request.
6. Which metric BEST indicates successful leadership & team management in Accredited Debt Relief Agent?
KPI achievement and stakeholder satisfaction directly measure whether management activities are producing desired outcomes.
🎯 Free ADRA Practice Tests
📖 ADRA Guides & Articles
What Practice Test Geeks adds beyond an AI chat for ADRA
An AI chatbot can quiz you, but it can't reproduce the exam conditions or keep your record. Here you get:
- A timed, full-length ADRA mock exam — 100 questions in 120 minutes with a 70% pass mark, modeled on the official exam's question count and time limit, followed by a score report broken down by exam domain.
- A fixed ADRA question bank: the same test every attempt, so your score is comparable from one try to the next instead of changing with every regenerated quiz.
- Progress saved on your device: completed tests, scores and missed questions stay in My Progress, so you can retake only what you got wrong.
- A printable ADRA cheat sheet you can print or save as a PDF.
- ADRA flashcards built from the same question bank.
- Free ADRA practice tests with the correct answer shown after each question.
How this page was made: written with AI tools and published by Nathan Beja, founder of Practice Test Geeks, who is responsible for its content. Exam facts are checked against the official sources listed below. Not reviewed by a subject-matter expert. Editorial policy
Sources & references
Exam facts on this page (fees, format, dates, passing scores) are checked against these official sources; the date is our last check. Editorial policy
- fid.nv.gov — Eligibility · verified Oct 2026
- iapda.org — Passing score, retake policy, fees, renewal · verified Oct 2026