FDCPA Communication Rules and Restrictions 3

Question 1

Which statement best describes the FDCPA's 'inconvenient time' rule?

Accepted Answer

A collector must stop contacting a consumer if the consumer states a particular time is inconvenient

Answer

A collector may never call before noon on weekdays

Answer

A collector must limit calls to business hours only

Answer

A consumer must provide written notice of inconvenient times

Question 2

Under Regulation F, after a consumer opts out of electronic communications, how long does the collector have to stop?

Accepted Answer

Immediately upon receipt of the opt-out

Answer

Within 3 business days

Answer

Within 5 business days

Answer

Within 30 days

Question 3

A debt collector calls a consumer's cell phone using an auto-dialer. Which federal law, in addition to the FDCPA, may apply?

Accepted Answer

Telephone Consumer Protection Act (TCPA)

Answer

Fair Credit Reporting Act (FCRA)

Answer

Electronic Communications Privacy Act (ECPA)

Answer

Gramm-Leach-Bliley Act (GLBA)

Question 4

Under Regulation F, a limited-content message left for a consumer must include which of the following?

Accepted Answer

A business name that does not indicate debt collection, a callback number, and a request to speak with the consumer

Answer

The amount of the debt and the creditor's name

Answer

The collector's full legal name and NMLS number

Answer

The consumer's account number and due date

Question 5

Can a debt collector send a consumer an email about a debt?

Accepted Answer

Yes, subject to Regulation F requirements including opt-out mechanisms

Answer

No, only physical mail is permitted under the FDCPA

Answer

Yes, with no restrictions because email is not a 'communication'

Answer

No, unless the consumer provides a written email consent form

Question 6

A collector makes 8 telephone calls about the same debt within a single week without connecting with the consumer. Under Regulation F, this is presumed to be:

Accepted Answer

Harassment or oppression

Answer

Permissible if left voicemails

Answer

Permissible because no conversation occurred

Answer

A minor technical violation only