Human Resources & Talent Development Flashcards

A collection agency wants to run consumer background checks on collector applicants through a third-party screening company. Under the FCRA, what must the agency do first?

Answer: Give a clear written disclosure in a stand-alone document and get the applicant's written authorization

FCRA Section 604(b) requires a stand-alone written disclosure and written authorization before getting a consumer report for employment purposes.

Before rejecting an applicant based in whole or in part on a background report, what does the FCRA require the employer to provide?

Answer: A pre-adverse action notice with a copy of the report and the CFPB Summary of Rights

Employers must send a pre-adverse action notice with the report and the Summary of Rights so the applicant has a chance to dispute it.

Under the FLSA, an hourly collector who works 46 hours in one workweek must be paid how?

Answer: At least 1.5 times the regular rate for the 6 hours over 40

The FLSA requires overtime of at least 1.5 times the regular rate for non-exempt employees' hours over 40 in a workweek, whether or not they were authorized.

When an agency calculates a non-exempt collector's 'regular rate' for overtime, which pay item must usually be included?

Answer: Non-discretionary production bonuses tied to collections

Non-discretionary bonuses, such as promised collection incentives, must be included in the regular rate used for overtime.

Which practice best reduces early turnover among newly hired collectors?

Answer: A structured onboarding program with compliance training, call-floor shadowing, and a mentor

Structured onboarding with training, shadowing, and mentoring raises early confidence and retention in high-turnover collection roles.

A manager notices one collector uses abusive language on calls. From an HR and compliance view, what is the most appropriate first step?

Answer: Document the calls, coach the collector on FDCPA Section 806, and follow progressive discipline

Documented coaching tied to FDCPA harassment rules, within progressive discipline, fixes the behavior and protects the agency.

Which federal law prohibits employment discrimination based on race, color, religion, sex, or national origin?

Answer: Title VII of the Civil Rights Act of 1964

Title VII of the Civil Rights Act of 1964 bans employment discrimination on these protected characteristics for employers with 15 or more employees.