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

Questions

90 min

Time Limit

75.00%

Passing Score

Take a Full FDCPA Exam Simulation →

📚 FDCPA Topics to Study (22)

Required Disclosures and Mini-Miranda Warning · 7 cards Required Disclosures and Mini-Miranda Warning · 7 cards Required Disclosures and Mini-Miranda Warning · 7 cards Communication Rules and Restrictions · 6 cards Communication Rules and Restrictions · 6 cards Communication Rules and Restrictions · 6 cards Covered Entities and Exemptions · 6 cards Covered Entities and Exemptions · 6 cards Covered Entities and Exemptions · 6 cards Debt Collector Liability and Penalties · 6 cards Debt Collector Liability and Penalties · 6 cards Debt Collector Liability and Penalties · 6 cards Legal Actions and Court Procedures · 6 cards Legal Actions and Court Procedures · 6 cards Legal Actions and Court Procedures · 6 cards Third-Party Contacts and Location Information · 6 cards Third-Party Contacts and Location Information · 6 cards Third-Party Contacts and Location Information · 6 cards Basic · 5 cards Consumer Rights · 5 cards Prohibited Practices · 5 cards Validation of Debts · 5 cards

✍️ Sample FDCPA Questions & Answers

1. What name may a debt collector use when identifying themselves to a third party?

✓ Their individual name or the collector's true business name

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?

✓ Telephone Consumer Protection Act (TCPA)

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?

✓ Text messages

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?

✓ Bona fide error 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?

✓ Their name and that they are confirming or correcting location information

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?

✓ 8 a.m. to 9 p.m. local time

The FDCPA restricts debt collector calls to between 8 a.m. and 9 p.m. in the consumer's local time zone.

🎯 Free FDCPA Practice Tests

Required Disclosures and Mini-Miranda Warning · 7 questions Required Disclosures and Mini-Miranda Warning · 7 questions Required Disclosures and Mini-Miranda Warning · 7 questions Legal Actions and Court Procedures · 6 questions Third-Party Contacts and Location Information · 6 questions Covered Entities and Exemptions · 6 questions Communication Rules and Restrictions · 6 questions Debt Collector Liability and Penalties · 6 questions Debt Collector Liability and Penalties · 6 questions Communication Rules and Restrictions · 6 questions

📖 FDCPA Guides & Articles

Your FDCPA Study Path

1. Learn with Flashcards → 2. Drill Practice Tests → 3. Take the Full Exam Simulation

🃏 FDCPA Flashcards (131)🏆 FDCPA Exam Simulation

What Practice Test Geeks adds beyond an AI chat for FDCPA

An AI chatbot can quiz you, but it can't reproduce the exam conditions or keep your record. Here you get:

A timed, full-length FDCPA mock exam — 80 questions in 90 minutes with a 75% pass mark, modeled on the official exam's question count and time limit, followed by a score report broken down by exam domain.
A fixed FDCPA question bank: the same test every attempt, so your score is comparable from one try to the next instead of changing with every regenerated quiz.
Progress saved on your device: completed tests, scores and missed questions stay in My Progress, so you can retake only what you got wrong.
A printable FDCPA cheat sheet you can print or save as a PDF.
FDCPA flashcards built from the same question bank.
Free FDCPA practice tests with the correct answer shown after each question.

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