Authentication And Disclosures Test

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| By Jeff Weber

Jeff Weber

Community Contributor

Quizzes Created: 15 | Total Attempts: 12,322

Questions: 10 | Attempts: 157 | Updated: Mar 24, 2023

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Questions and Answers

1.

In order to authenticate a customer you must do which of the following.
- A.
  
  Confirm the customer’s full name, one piece of public information and one piece of private information.
- B.
  
  Confirm the customer’s full name and two pieces of private information.
- C.
  
  Either A or B.
Correct Answer
C. Either A or B.

Explanation
The correct answer is "Either A or B" because both options provide a valid method for authenticating a customer. Option A requires confirming the customer's full name, one piece of public information, and one piece of private information. Option B requires confirming the customer's full name and two pieces of private information. Both options ensure that the customer's identity is verified by providing a combination of personal and public information.

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2.

Prior to releasing any account information, the employee shall state their full name (first & last).
- A.
  
  True
- B.
  
  False
Correct Answer
A. True

Explanation
The statement is true. Prior to releasing any account information, it is important for the employee to state their full name (first and last) to ensure accountability and transparency. This helps in verifying the identity of the employee and ensures that the information is being shared with the authorized person. By stating their full name, the employee takes responsibility for the information they are providing and establishes a professional and trustworthy interaction with the customer.

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3.

The mini-Miranda should be read at what point in the call?
- A.
  
  Immediately upon start of the call.
- B.
  
  After authentication of the customer.
- C.
  
  After you attempt to collect the debt.
- D.
  
  None of the above.
Correct Answer
B. After authentication of the customer.

Explanation
The mini-Miranda should be read after authentication of the customer because it is a legal requirement under the Fair Debt Collection Practices Act (FDCPA) in the United States. The mini-Miranda is a statement that debt collectors must provide to inform the customer that they are attempting to collect a debt and that any information obtained will be used for that purpose. By reading the mini-Miranda after authentication, the debt collector ensures that they are communicating with the correct person and that the customer is aware of their rights under the FDCPA.

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4.

Prior to releasing any account information, the employee does not have to give the firm name (Weber & Olcese):
- A.
  
  True
- B.
  
  False
Correct Answer
B. False

Explanation
The statement is false because an employee should always provide the firm name (Weber & Olcese) before releasing any account information. This is important for ensuring transparency and accountability, as well as establishing the legitimacy and credibility of the information being shared. Failing to provide the firm name could lead to confusion, mistrust, and potential legal issues.

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5.

The call recording disclosure should be given on all calls and transfers.
- A.
  
  True
- B.
  
  False
Correct Answer
A. True

Explanation
The statement suggests that call recording disclosure should be provided on all calls and transfers. This means that regardless of whether the call is being transferred or not, the disclosure should be given to inform the parties involved that the call is being recorded. Therefore, the correct answer is true, indicating that call recording disclosure should be given on all calls and transfers.

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6.

Weber Olcese employees are allowed to discuss with a customer how a payment or settlement plan may affect their credit bureau.
- A.
  
  True
- B.
  
  False
Correct Answer
B. False

Explanation
Employees of Weber Olcese are not allowed to discuss with a customer how a payment or settlement plan may affect their credit bureau.

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7.

"Public Information" includes which one of the following:
- A.
  
  Social Security Number
- B.
  
  Birth date
- C.
  
  Address
Correct Answer
C. Address

Explanation
"Public Information" refers to information that is available to the general public and can be accessed by anyone. In this context, the address is considered as public information because it is commonly available and can be found in various public records such as phone directories, property records, or online databases. Social Security Numbers and birth dates, on the other hand, are considered sensitive personal information and are typically not publicly available due to privacy and security concerns.

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8.

"Non-public Information" includes which one of the following:
- A.
  
  Address
- B.
  
  Social Security number
- C.
  
  Telephone number
Correct Answer
B. Social Security number

Explanation
"Non-public Information" refers to sensitive and confidential data that is not intended to be publicly available. Among the given options, the Social Security number stands out as a prime example of non-public information. Social Security numbers are unique identification numbers assigned to individuals by the government and are used for various purposes, such as employment, taxation, and social benefits. Revealing or sharing someone's Social Security number without proper authorization can lead to identity theft and other fraudulent activities. Therefore, it is crucial to handle Social Security numbers with utmost care and protect them from unauthorized access.

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9.

If a customer or third-party refuses to authenticate, you should continue to discuss the account anyway.
- A.
  
  True
- B.
  
  False
Correct Answer
B. False

Explanation
Continuing to discuss the account with a customer or third-party who refuses to authenticate would not be appropriate or secure. Authentication is necessary to verify the identity of the person accessing the account, and without it, there is a risk of unauthorized access or fraud. It is important to prioritize security and only proceed with discussing the account when proper authentication has been completed.

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10.

Which of the following ways can you authenticate a customer:
- A.
  
  Confirming the customer's name, one piece of public information, and one piece of non-public information
- B.
  
  Confirming the customer's name and getting two pieces of non-public information
- C.
  
  Both of the above
Correct Answer
C. Both of the above

Explanation
Both of the above options can be used to authenticate a customer. By confirming the customer's name, one piece of public information, and one piece of non-public information, you can ensure that the customer is who they claim to be. Similarly, by confirming the customer's name and obtaining two pieces of non-public information, you can further verify their identity. Using a combination of public and non-public information helps to enhance the security of the authentication process.

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Current Version
Mar 24, 2023

Quiz Edited by
ProProfs Editorial Team
Jul 11, 2014

Quiz Created by
Jeff Weber

Authentication And Disclosures Test

In order to authenticate a customer you must do which of the following.

Prior to releasing any account information, the employee shall state their full name (first & last).

The mini-Miranda should be read at what point in the call?

Prior to releasing any account information, the employee does not have to give the firm name (Weber & Olcese):

The call recording disclosure should be given on all calls and transfers.

Weber Olcese employees are allowed to discuss with a customer how a payment or settlement plan may affect their credit bureau.

"Public Information" includes which one of the following:

"Non-public Information" includes which one of the following:

If a customer or third-party refuses to authenticate, you should continue to discuss the account anyway.

Which of the following ways can you authenticate a customer: