FDCPA Study Guide 2026
Everything you need to pass the FDCPA 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.
📋 FDCPA Exam Format at a Glance
📚 FDCPA Topics to Study (22)
✍️ Sample FDCPA Questions & Answers
1. What name may a debt collector use when identifying themselves to a third party?
Collectors must use their true individual name or their employer's true business name when identifying themselves, not aliases.
2. A debt collector calls a consumer's cell phone using an auto-dialer. Which federal law, in addition to the FDCPA, may apply?
The TCPA restricts auto-dialed and pre-recorded calls to cell phones and may impose separate liability alongside the FDCPA.
3. Which medium of communication is NOT specifically regulated by the FDCPA's original text regarding time and place restrictions?
The FDCPA was written before text messaging existed, though the CFPB's Regulation F has since addressed electronic communications.
4. A debt collector is sued for an FDCPA violation but demonstrates it maintained a written policy against the prohibited practice and trained employees. This most supports which defense?
Written policies and employee training are key components of the bona fide error defense under the FDCPA.
5. When contacting a third party to locate a consumer, what must a debt collector state about themselves?
When contacting third parties for location information, collectors must identify themselves by name and state they are confirming or correcting location information.
6. Under the FDCPA, during what hours may a debt collector contact a consumer by telephone without prior consent?
The FDCPA restricts debt collector calls to between 8 a.m. and 9 p.m. in the consumer's local time zone.