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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. Under the Gramm-Leach-Bliley Act (GLBA), debt collectors who are financial institutions must:

    Answer: Provide consumers with an annual privacy notice describing information sharing practices

    GLBA requires covered financial institutions to provide annual privacy notices explaining how consumer information is collected and shared.

  2. A debtor asks a collector what information the agency has about them. Ethically, the collector should:

    Answer: Inform the debtor of what information is held and how it is used, per applicable law

    Ethical practice and laws like the FDCPA require transparency with consumers about the information held and its purpose.

  3. Which ethical principle requires collectors to treat all debtors with dignity regardless of the debt amount?

    Answer: Respect and non-discrimination

    Professional collectors must treat every consumer with respect and without discrimination, regardless of the debt size or consumer background.

  4. A collector receives a written request from a consumer stating they cannot be contacted at work. The collector must:

    Answer: Stop contacting the consumer at their workplace immediately

    The FDCPA requires collectors to honor consumer requests to stop workplace contact immediately upon notification.

  5. Which of the following represents a FCRA (Fair Credit Reporting Act) violation by a debt collector?

    Answer: Reporting a paid debt as still outstanding to a credit bureau

    Reporting a paid debt as still outstanding is a form of furnishing inaccurate information, which violates the FCRA's accuracy requirements.

  6. In the context of the CPC ethical standards, 'informed consent' in data handling means:

    Answer: The debtor understands and agrees to how their information will be used before collection begins

    Informed consent requires that consumers understand and agree to data use practices before their information is collected or shared.

  7. A collector is asked by a friend who works at a law firm to share a mutual acquaintance's debt information. The ethical action is to:

    Answer: Refuse, as sharing consumer data without permissible purpose is a privacy violation

    Sharing consumer data without a legally permissible purpose violates privacy laws and professional ethics, regardless of the recipient's profession.