Which statement regarding the FDCPA is true?

The correct answer emphasizes that the Fair Debt Collection Practices Act (FDCPA) places restrictions on contacting a consumer at their workplace when the creditor knows that the employer prohibits such calls. This is a vital protection for consumers, acknowledging that some workplaces maintain policies against personal calls, and respecting these boundaries helps to ensure a respectful and unobtrusive approach to debt collection.

When a collector is aware that an employer does not permit such communications, it is considered a violation if they proceed to contact the consumer at work. By outlining this provision, the FDCPA aims to protect consumers from potential embarrassment, workplace disruptions, and privacy invasions.

In this context, the other statements do not accurately reflect the nuances of the FDCPA's regulations. The first statement incorrectly suggests that there is no restriction on workplace calls, which is not true when employer policies are known. The second statement misrepresents the Act by implying a blanket ban on workplace calls, disregarding the context of employer policies. The fourth statement also incorrectly states that calling the workplace is always prohibited, which is not the case if the employer does not have a prohibition in place.