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

If a consumer orally communicates that a particular time is inconvenient, the collector must honor that restriction.

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

Once a consumer opts out of electronic communications, the collector must stop immediately upon receipt of the opt-out notice.

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

The TCPA restricts auto-dialed and pre-recorded calls to cell phones and may impose separate liability alongside the FDCPA.

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

A Regulation F limited-content message avoids FDCPA disclosure requirements by omitting debt-related content while still allowing the consumer to call back.

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

Regulation F permits email communications but requires specific disclosures and a clear opt-out mechanism.

FDCPA - Fair Debt Collection Practices Act Practice Test

FDCPA - Fair Debt Collection Practices Act Practice Test

FDCPA Communication Rules and Restrictions 3