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Free U.S. Federal Trade Commission (FTC) Consumer Protection Exam Exam Questions and Answers
Last updated: March 29, 2025
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U.S. Federal Trade Commission
(FTC) Consumer Protection Exam
#Question
Which of the following constitutes a violation of the Truth in Lending Act?
A.
Not advertising online
B.
Failing to disclose APR
C.
Clear disclosure of loan terms
D.
Providing accurate fees
Correct Answer:
B
Failing to disclose the Annual Percentage Rate (APR) constitutes a violation of the Truth in Lending Act, as it prevents consumers from fully understanding the cost of borrowing.
#Question
What action should a consumer take if they receive unsolicited sales calls?
A.
Engage with the caller
B.
Provide personal information
C.
Report to the FTC
D.
Ignore the calls
Correct Answer:
C
If a consumer receives unsolicited sales calls, they should report them to the FTC, especially if they are on the National Do Not Call Registry.
#Question
How often should consumers check their credit reports for accuracy?
A.
Every month
B.
Every ten years
C.
Once a year
D.
Only when applying for a loan
Correct Answer:
C
Consumers should check their credit reports at least once a year to ensure accuracy and detect potential identity theft.
#Question
What must advertisers do when using endorsements in their promotions?
A.
Use vague statements
B.
Limit endorsements to celebrities
C.
Avoid disclosures
D.
Provide evidence of results
Correct Answer:
D
Advertisers must provide evidence of results when using endorsements to ensure that claims made are truthful and not misleading.
#Question
Which of the following is a consumer's right under the Fair Credit Reporting Act?
A.
To receive unlimited credit
B.
To receive free credit monitoring
C.
To maintain a perfect credit score
D.
To dispute inaccuracies in credit reports
Correct Answer:
D
Under the Fair Credit Reporting Act, consumers have the right to dispute inaccuracies in their credit reports and seek corrections.
#Question
What is the primary goal of the FTC's consumer protection efforts?
A.
Protect consumer rights
B.
Boost corporate profits
C.
Increase market competition
D.
Regulate prices
Correct Answer:
A
The primary goal of the FTCÕs consumer protection efforts is to protect consumer rights and prevent unfair or deceptive practices in the marketplace.
#Question
What type of advertising is regulated under the FTCÕs guidelines?
A.
Public service announcements
B.
Print media advertising
C.
Digital advertising
D.
All forms of advertising
Correct Answer:
D
The FTC's guidelines apply to all forms of advertising to ensure they are truthful and not misleading, regardless of the medium used.
U.S. Federal Trade Commission (FTC) Consumer Protection Exam
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