Practice Test Geeks(CPC) Certified Professional Collector Practice Test
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Privacy Protection & Ethical Practices Flashcards

7 cards from real CPC practice questions. Tap to flip, then mark Knew It or Still Learning — missed cards come back until you master them.

Read the first 7 Privacy Protection & Ethical Practices flashcards as text

  1. Which of the following is an example of 'pretexting' in debt collection that violates ethical standards?

    Answer: Posing as a survey company to get updated contact information from a debtor

    Pretexting—using a false identity or scenario to obtain information—is deceptive and violates both FDCPA prohibitions and CPC ethical standards.

  2. Under FDCPA Section 805(b), a collector may contact a third party for what specific purpose?

    Answer: To obtain the location information of the consumer

    FDCPA Section 805(b) allows third-party contact only to locate the consumer, not to discuss the debt or pressure them through others.

  3. A consumer disputes a debt in writing. Under the FDCPA, the collector must:

    Answer: Cease collection and obtain verification of the debt before continuing

    Upon written dispute, the FDCPA requires the collector to stop collection activity and obtain and mail verification of the debt to the consumer.

  4. Which of the following best describes the ethical principle of 'confidentiality' in debt collection?

    Answer: Protecting consumer information from unauthorized access or disclosure

    Confidentiality in collections means safeguarding consumer data and ensuring it is not accessed or shared without authorization.

  5. A collector discovers that a debtor is a minor. What is the appropriate ethical response?

    Answer: Cease collection efforts, as minors generally cannot be held liable for debts

    Minors typically lack legal capacity to contract, so collecting from them is both legally problematic and ethically impermissible.

  6. The 'mini-Miranda' warning required by the FDCPA must be included in:

    Answer: Every communication with the consumer during the collection process

    The FDCPA requires that every communication with the consumer disclose that it is from a debt collector attempting to collect a debt.

  7. Which scenario raises the most serious ethical and legal concerns for a CPC-certified collector?

    Answer: Selling a debtor's account information to a third party without authorization

    Selling or transferring a debtor's personal information without authorization is a serious privacy violation and breach of professional ethics.