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. A collector is offered a bonus for collecting debts using any means necessary. The ethical collector should:

    Answer: Refuse to use prohibited practices regardless of financial incentives

    Ethical collectors must adhere to legal and professional standards regardless of financial incentives that might encourage prohibited conduct.

  2. When collecting on a healthcare debt, which additional privacy regulation must collectors be mindful of?

    Answer: HIPAA (Health Insurance Portability and Accountability Act)

    Healthcare debt collectors must comply with HIPAA, which restricts the use and disclosure of protected health information (PHI).

  3. A debtor who communicates only in Spanish contacts the agency. The ethical approach is to:

    Answer: Make reasonable efforts to communicate in the debtor's preferred language

    Ethical practice requires making reasonable accommodations to communicate effectively with consumers, including in their preferred language.

  4. Which of the following actions would violate the ethical standard of 'transparency' in debt collection?

    Answer: Omitting the original creditor's name from all written correspondence

    Omitting the original creditor's name conceals material information from the consumer and violates the transparency required by the FDCPA and CPC ethics.

  5. Under the FDCPA, which of the following is a permitted practice when attempting to locate a debtor?

    Answer: Contacting one reference per third-party rule without disclosing the debt

    Collectors may contact third parties once without revealing the debt purpose, strictly to obtain location information about the consumer.

  6. A collector receives information suggesting that the debtor is deceased. The best ethical course of action is to:

    Answer: Cease contact with the deceased debtor and follow protocols for estate collections

    Upon confirmation of a debtor's death, collectors must stop contacting the deceased and follow legal protocols for claiming against the estate.

  7. Which of the following best illustrates the CPC ethical standard of 'accountability' in privacy protection?

    Answer: Documenting all data access and being able to demonstrate compliance with privacy policies

    Accountability requires that collectors document data practices and be able to demonstrate that they comply with applicable privacy laws and policies.