Compliance and Legal Regulations Flashcards

What must a debt collector say at the start of every communication with a consumer under the FDCPA?

Answer: A mini-Miranda warning disclosing that the communication is from a debt collector

The FDCPA's mini-Miranda requires debt collectors to disclose that the communication is from a debt collector attempting to collect a debt.

Which of the following is a required element of a written TCPA consent form?

Answer: Clear and conspicuous disclosure that the consumer authorizes autodialed calls

A valid TCPA written consent must clearly disclose that the consumer agrees to be contacted via autodialer or prerecorded message.

Under PCI DSS, call centers must ensure that cardholder data is not stored in which of the following forms?

Answer: Full unencrypted card numbers in call recordings or screen captures

PCI DSS prohibits storing full primary account numbers (PANs) in unprotected recordings or screen captures.

What does the term 'safe harbor' mean in the context of Do Not Call Registry compliance?

Answer: A legal defense available when a company accidentally calls a DNC number after taking required precautions

Safe harbor protects companies from liability for inadvertent DNC violations if they have established and maintained written procedures and trained personnel.

Which federal agency primarily enforces the Telemarketing Sales Rule (TSR) against deceptive or abusive telemarketing practices?

Answer: FTC (Federal Trade Commission)

The FTC enforces the TSR, which prohibits deceptive telemarketing acts, abusive practices, and credit card laundering.

What is the purpose of a 'Do Not Call' scrubbing process in a call center?

Answer: Comparing outbound call lists against DNC registries to remove restricted numbers before dialing

DNC scrubbing checks outbound lists against federal and state Do Not Call registries to ensure compliance before dialing.