PHASE 1

Estimated time to complete: 3 hours, 20 minutes

Federal Laws

  • Fair Debt Collection Practices Act  (35 min.)
  • Equal Credit Opportunity Act & Regulation B (40 min.)
  • Federal Trade Commission Act Unfair and Deceptive Acts and Practices  (35 min.)
  • Dodd Frank Act Unfair, Deceptive and Abusive Acts and Practices  (30 min)

State Laws

  • State Anti-Discrimination Laws & Regulations (30 min.)
  • State Collection and Servicing Laws (30 min.)

Testing

  • Two case studies dealing with situations a collector could face with 15-20 questions relating to the laws applicability to the cases

PHASE 2

Phase 1 must be completed before registering for Phase 2

Part I: Initial Quiz

  • Phase II of the Collector Compliance Certificate program begins with a review and initial quiz of Core Content which includes: FDCPA; ECOA; FTC Act; UDAAP; State Anti-Discrimination and State Collection Laws.

Part II: Review of Core Content (based on Initial Quiz results):

  • Fair Debt Collection Practices Act
  • Equal Credit Opportunity Act & Regulation B
  • Federal Trade Commission Act Unfair and Deceptive Acts and Practices
  • Dodd Frank Act Unfair, Deceptive and Abusive Acts and Practices
  • State Anti-Discrimination Laws & Regulations
  • State Collection and Servicing Laws

Part III: Highlights of Key Core Content

  • Highlights the most important topics in the Core Content.
  • May include references to new enforcement actions or developments.

Part IV: Why it Matters

  • Discusses penalties for noncompliance with laws.
  • May include references to enforcement actions by the CFPB.

Part V: Final Quiz

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