29:
476:. The findings of the U.S. Congress that led to the Act and the Act's regulatory goals set the direction of information privacy in the U.S. and the world for the next sixty years. Among these innovations were the determination that there should be no secret databases to make decisions about a person's life, individuals should have a right to see and challenge the information held in such databases, and that information in such a database should expire after a reasonable amount of time.
1922:
1942:
1932:
485:
how much credit you are using, and whether a debt or bill collector is collecting on money you owe. Credit reports also can contain rental repayment information if you are a property renter. It also can contain public records such as liens, judgments, and bankruptcies that provide insight into your financial status and obligations."
732:
In addition to the three big CRAs, the FCRA also classifies dozens of other information technology companies as "nationwide specialty consumer reporting agencies" that produce individual consumer reports used to make credit determinations. Under
Section 603 of the Fair Credit Reporting Act, the term
753:
Because these nationwide specialty consumer reporting agencies sell consumer credit report files, they are required to provide annual disclosures of their report files to any consumer who requests disclosure. A partial list of companies classified as nationwide specialty consumer reporting agencies
484:
Commonly referred to as credit reports, a consumer report "contains information about your creditâand some bill repayment historyâand the status of your credit accounts. This information includes how often you make your payments on time, how much credit you have, how much credit you have available,
402:
Before standardization of credit scoring, statements of character were integral to credit reports well into the 1960s. With credit reports containing probing details about personality, habits, and health, in the hearings on the Fair Credit
Reporting Act lawmakers were troubled that individuals were
825:
are required by law to provide a central source website for consumers to request their reports, the nationwide specialty consumer reporting agencies are not required to provide a centralized online source for disclosure. The FCRA Section 612 merely requires nationwide specialty consumer reporting
393:
information. Together with the Fair Debt
Collection Practices Act (FDCPA), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau, and private
653:(This notice doesn't have to be sent as a separate notice, but may be placed on a consumer's monthly statement. If sent as part as the monthly statement, it needs to be conspicuous, but need not be in bold type. Required wording developed by the US Federal Treasury Department):
497:(FACTA), an amendment to the FCRA passed in 2003, consumers are able to receive a free copy of their consumer report from each credit reporting agency once a year. The free report can be requested by telephone, mail, or through the government-authorized website:
634:
of some kind, past and present employers and bonders. Lenders have an important role to play in ensuring credit reports are accurate. Under the FCRA, creditors who furnish information about consumers to consumer reporting agencies must:
683:(CRAs) are entities that collect and disseminate information about consumers to be used for credit evaluation and certain other purposes, including employment. Credit bureaus, a type of consumer reporting agency, hold a consumer's
389:. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including
433:
An Act to amend the
Federal Deposit Insurance Act to require insured banks to maintain certain records, to require that certain transactions in United States currency be reported to the Department of the Treasury, and for other
59:
An Act to amend the
Federal Deposit Insurance Act to require insured banks to maintain certain records, to require that certain transactions in U.S. currency be reported to the Department of the Treasury, and for other
1035:
336:
1968:
1568:
724:âdo not interact with information furnishers directly as a result of consumer disputes. They use a system called E-Oscar. In some areas of the country, however, there are other credit bureaus.
1586:
277:
1601:
536:
Punitive damages if the violation was willful. "The threat of punitive damages under 1681n of the FCRA is the primary factor deterring erroneous reporting by the reporting industry."
1631:
767:
2147:
3495:
1414:
540:
The statute of limitations requires consumers to file suit prior to the earlier of: two years after the violation is discovered; or, five years after the violation occurred.
1626:
1591:
1573:
1790:
1775:
2451:
662:
We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.
2363:
3280:
2845:
826:
agencies to establish a streamlined process for consumers to request consumer reports, which shall include, at a minimum, the establishment by each such agency of a
733:"nationwide specialty consumer reporting agency" means a consumer reporting agency that compiles and maintains files on consumers on a nationwide basis relating to:
2912:
2709:
1800:
697:
If negative information is removed as a result of a consumer's dispute, it may not be reinserted without notifying the consumer in writing within five days; and,
543:
Consumer attorneys often take these cases on a contingency fee basis because the statute allows a consumer to recover attorney's fees from the offending party.
2758:
779:
2610:
1995:
345:
325:
305:
282:
263:
2140:
671:
We have told a credit bureau about a late payment, missed payment or other default on your account. This information may be reflected in your credit report.
573:
Users must identify the company that provided the report, so that the accuracy and completeness of the report may be verified or contested by the consumer.
2831:
2730:
2479:
1830:
493:
A 2015 study released by the
Federal Trade Commission found that 23% of consumers identified inaccurate information in their credit reports. Under the
3594:
3203:
2603:
2386:
2158:
1452:
1407:
954:
694:
Provide a consumer with information about him or her in the agency's files and take steps to verify the accuracy of information disputed by a consumer;
2117:
2103:
787:
2131:
2061:
1578:
791:
2875:
2737:
1902:
1815:
648:
Inform consumers about negative information which is in the process of or has already been placed on a consumer's credit report within one month.
3515:
2990:
2559:
1840:
1810:
1287:
3018:
2810:
2617:
1925:
1400:
1616:
2324:
2502:
2444:
2409:
1382:
1377:
900:
795:
691:
CRAs must maintain reasonable procedures to ensure the maximum possible accuracy of the information contained within a consumer's report;
2677:
2301:
1780:
1353:
1130:
3231:
3051:
2776:
2167:
1988:
1611:
1477:
875:
494:
231:
3525:
3500:
3044:
2416:
2022:
2013:
1785:
3266:
2940:
2765:
2654:
2633:
1845:
607:
A creditor, as defined by the FCRA, is a company that furnishes information to consumer reporting agencies. Typically, these are
374:
2838:
2516:
2124:
1336:
598:
Give you an opportunity to dispute the information contained within your credit report before making a final adverse decision.
3568:
3224:
3210:
3127:
3060:
2794:
2566:
1713:
1467:
1447:
938:
3505:
2356:
2243:
2047:
1981:
1963:
1472:
1437:
1423:
1386:
1366:
1065:"Provisions of New Fair and Accurate Credit Transactions Act Will Help Reduce Identity Theft and Help Victims Recover: FTC"
1328:
3553:
3490:
2663:
2647:
2370:
2029:
1698:
Credit by Banks and
Persons Other Than Brokers or Dealers for the Purpose of Purchasing or Carrying Margin Stock (Reg U)
2751:
2670:
2587:
2509:
1835:
1744:
1462:
246:
172:
162:
146:
141:
1195:
3510:
2960:
2866:
2801:
1825:
2852:
2787:
1805:
1723:
680:
3485:
3083:
2889:
2573:
2488:
2472:
2430:
2287:
2096:
2089:
2082:
2075:
2068:
454:
420:
115:
107:
3563:
3543:
3252:
2926:
2919:
2523:
1606:
1520:
1457:
890:
437:
2259:
626:
Other examples of information furnishers are collection agencies (third-party collectors), state or municipal
3520:
3176:
2817:
2744:
2495:
2280:
1754:
958:
3548:
3273:
3238:
3217:
3172:
3156:
2905:
2898:
2437:
2379:
1892:
1795:
1669:
1659:
1654:
1563:
1553:
1010:
3558:
3180:
3168:
3160:
3152:
2882:
2640:
2004:
1820:
1749:
1323:
582:
Employers using consumer reports to screen job applicants or employees must follow specific procedures:
77:
3188:
3184:
3164:
3148:
2624:
2402:
1759:
1718:
1558:
1442:
1315:
827:
441:
407:
100:
3120:
3092:
2933:
2349:
2308:
775:
316:
3573:
2716:
2294:
2220:
1530:
1525:
1341:
1345:
3067:
3027:
3011:
2981:
2723:
2693:
1876:
1621:
1093:
880:
570:
Users must notify the consumer when an adverse action is taken on the basis of such reports; and,
235:
1273:
687:
in their databases. CRAs have a number of responsibilities under FCRA, including the following:
3035:
2686:
2342:
1169:
1036:"Report to Congress Under Section 319 of the Fair and Accurate Credit Transactions Act of 2003"
845:
840:
498:
296:
2250:
2594:
1361:
349:
329:
309:
286:
267:
595:
Give you a copy of your credit report if the employer decides not to hire or fires you; and,
28:
3113:
2997:
2273:
1897:
1871:
1728:
1708:
1596:
1538:
1495:
1143:
865:
301:
1973:
341:
321:
8:
3412:
2967:
2702:
2195:
1505:
803:
258:
700:
Remove negative information seven years after the date of first delinquency (except for
176:
166:
2974:
1664:
1392:
1332:
1319:
289:
270:
205:
2951:
2859:
2458:
2037:
1941:
1931:
1500:
934:
3342:
3327:
3307:
3245:
2545:
2227:
2203:
1543:
1515:
930:
895:
850:
645:
Correct, delete, or verify information within 30 days of receipt of a dispute; and,
560:
552:
450:
416:
378:
997:
Creditworthy: A History of
Consumer Surveillance and Financial Identity in America
982:
Creditworthy: A History of
Consumer Surveillance and Financial Identity in America
3599:
3432:
3372:
3004:
2824:
2317:
2236:
2054:
1935:
1907:
1349:
1124:
473:
390:
239:
3452:
3442:
3422:
3297:
2211:
2188:
2174:
1064:
885:
860:
631:
567:
Users can only obtain consumer reports for permissible purposes under the FCRA;
1248:
3588:
3407:
3392:
3377:
3357:
3312:
3302:
2423:
1958:
684:
620:
386:
382:
215:
3462:
3457:
3347:
3332:
2465:
1945:
1689:
1510:
870:
701:
639:
Provide complete and accurate information to the credit reporting agencies;
469:
337:
Department of
Agriculture Rural Development Rural Housing Service v. Kirtz
119:
3467:
3447:
3437:
3402:
3362:
3352:
3317:
3136:
2580:
2181:
2110:
1866:
1861:
1150:. United States District Court for the Northern District of Alabama. 2011
926:
855:
759:
612:
1144:"Brim V. Midland Credit Mgmt. Inc., 795 F.Supp.2d 1255 (N.D. Ala. 2011)"
424:
3397:
3387:
3382:
3367:
2536:
1569:
Financial Institutions Regulatory and Interest Rate Control Act of 1978
1288:"Do a Total Background Check on Yourself - Consumer Reporting Agencies"
822:
783:
717:
616:
523:
If a consumer's rights under the FCRA are violated, they can recover:
458:
2266:
642:
Investigate consumer disputes received from credit reporting agencies;
406:
The Fair Credit Reporting Act, as originally enacted, was title VI of
3427:
3337:
1690:
Prohibition Against the Paying of Interest on Demand Deposits (Reg Q)
1356:
799:
755:
705:
608:
556:
3417:
2393:
814:
807:
763:
727:
713:
611:, with which a consumer has some sort of credit agreement (such as
3322:
818:
771:
721:
627:
3105:
1702:
Transactions Between Member Banks and Their Affiliates (Reg W)
2003:
1373:
377:
legislation enacted to promote the accuracy, fairness, and
1220:
436:. It was written as an amendment to add a title VI to the
3281:
Telemarketing and Consumer Fraud and Abuse Prevention Act
2846:
National Emissions Standards for Hazardous Air Pollutants
1126:
Consumer Credit Protection Act; Fair Credit Reporting Act
462:
428:
2913:
Marine Protection, Research, and Sanctuaries Act of 1972
2710:
Congressional Budget and Impoundment Control Act of 1974
1665:
Reserve Requirements for Depository Institutions (Reg D)
1422:
1724:
Availability of Funds and Collection of Checks (Reg CC)
1249:"Text of the Fair Credit Reporting Act, 15 U.S.C. 1681"
2759:
Emergency Daylight Saving Time Energy Conservation Act
563:) have the following responsibilities under the FCRA:
2611:
National Institute for Occupational Safety and Health
1651:
Extensions of Credit by Federal Reserve Banks (Reg A)
1088:
1086:
921:
Dlabay, Les R.; Burrow, James L.; Brad, Brad (2009).
675:
198:
in the House as H.R. 15073 on December 3, 1969
2731:
Consolidated Farm and Rural Development Act of 1972
2387:
Federal Supplemental Educational Opportunity Grants
488:
468:The Fair Credit Reporting Act was one of the first
3204:Omnibus Crime Control and Safe Streets Act of 1968
1956:
1453:Federal Financial Institutions Examination Council
1329:As codified in 15 U.S.C. chapter 41 subchapter III
1316:As codified in 15 U.S.C. chapter 41 subchapter III
1083:
442:
408:
1686:Privacy of Consumer Financial Information (Reg P)
1243:
1241:
589:Tell you how they want to use your credit report;
3586:
920:
728:Nationwide specialty consumer reporting agencies
2876:National Oceanic and Atmospheric Administration
2738:Agriculture and Consumer Protection Act of 1973
1903:History of central banking in the United States
577:
3516:National Institute of Standards and Technology
2560:National Highway Traffic Safety Administration
1714:Unfair or Deceptive Acts or Practices (Reg AA)
1238:
1196:"WILLIAMS: Credit agencies are the messengers"
658:Notice before negative information is reported
3121:
2618:Occupational Safety and Health Administration
1989:
1408:
667:Notice after negative information is reported
1674:Limitations on Interbank Liabilities (Reg F)
602:
546:
2832:Federal Environmental Pesticide Control Act
2445:Health Maintenance Organization Act of 1973
2410:Equal Educational Opportunities Act of 1974
1378:Financial Literacy and Education Commission
1367:FTC Staff Opinion Letters archive 1997-2001
901:Financial privacy laws in the United States
3128:
3114:
2678:Securities Investor Protection Corporation
1996:
1982:
1415:
1401:
1131:United States Government Publishing Office
708:(seven years from the time they are paid).
3595:United States federal banking legislation
3232:Family Educational Rights and Privacy Act
2648:Lead-Based Paint Poisoning Prevention Act
1612:Fair and Accurate Credit Transactions Act
1478:Office of the Comptroller of the Currency
1176:. Federal Trade Commission. November 2014
1045:. Federal Trade Commission. December 2012
876:Fair and Accurate Credit Transactions Act
495:Fair and Accurate Credit Transactions Act
232:Fair and Accurate Credit Transactions Act
3526:U.S. Immigration and Customs Enforcement
2417:Equal Employment Opportunity Act of 1972
1967:) is being considered for deletion. See
1677:International Banking Operations (Reg K)
1583:Competitive Equality Banking Act of 1987
68:Federal Deposit Insurance Act Amendments
42:Consumer Credit Protection Act Amendment
3267:Immigration and Nationality Act of 1952
2941:Water Resources Development Act of 1974
2766:Trans-Alaska Pipeline Authorization Act
2655:Poison Prevention Packaging Act of 1970
2634:U.S. Consumer Product Safety Commission
830:for such consumer disclosure requests.
3587:
2839:National Ambient Air Quality Standards
2517:Legislative Reorganization Act of 1970
1705:Borrowers of Securities Credit (Reg X)
3569:Electronic Privacy Information Center
3225:Foreign Intelligence Surveillance Act
3211:Electronic Communications Privacy Act
3109:
2795:Environmental Quality Improvement Act
2567:Urban Mass Transportation Act of 1970
2452:Drug Abuse Prevention and Control Act
1977:
1694:Credit by Brokers and Dealers (Reg T)
1468:Financial Stability Oversight Council
1448:Federal Deposit Insurance Corporation
1396:
994:
979:
2357:Minority Business Development Agency
1617:Emergency Economic Stabilization Act
1473:National Credit Union Administration
1438:Consumer Financial Protection Bureau
1424:Bank regulation in the United States
1387:Consumer Financial Protection Bureau
1119:
1117:
1115:
1015:Consumer Financial Protection Bureau
559:, or employment purposes (including
3554:Center for Democracy and Technology
2899:Great Lakes Water Quality Agreement
2664:Public Health Cigarette Smoking Act
2371:Alaska Native Claims Settlement Act
2302:Prevention of Nuclear War Agreement
519:Furnishers of consumer information.
479:
13:
2752:Emergency Petroleum Allocation Act
2671:Securities Investor Protection Act
2604:Occupational Safety and Health Act
2588:Economic Stabilization Act of 1970
2510:District of Columbia Home Rule Act
1463:Federal Reserve Board of Governors
957:. Money Management. Archived from
676:Consumer reporting agencies (CRAs)
504:
447:Tooltip Public Law (United States)
413:Tooltip Public Law (United States)
278:Safeco Ins. Co. of America v. Burr
14:
3611:
2867:Reorganization Plan No. 3 of 1970
2802:National Environmental Policy Act
1971:to help reach a consensus. âș
1535:Interest Rate Control Act of 1966
1309:
1112:
3496:Select Committee on Intelligence
2853:New Source Performance Standards
2788:Council on Environmental Quality
1940:
1930:
1921:
1920:
1670:Electronic Fund Transfer (Reg E)
1660:Home Mortgage Disclosure (Reg C)
1655:Equal Credit Opportunity (Reg B)
489:Inaccuracies in consumer reports
27:
3486:Federal Bureau of Investigation
3135:
2890:Coastal Zone Management Program
2811:Environmental Protection Agency
2574:Federal-Aid Highway Act of 1973
2489:Federal Contested Elections Act
2473:Drug Enforcement Administration
2431:End Stage Renal Disease Program
1719:Community Reinvestment (Reg BB)
1383:Consumer reporting company list
1357:Statute Compilations collection
1280:
1266:
1213:
1188:
1162:
1136:
516:Users of consumer reports; and,
3564:Electronic Frontier Foundation
3544:American Civil Liberties Union
3253:Right to Financial Privacy Act
2927:Endangered Species Act of 1973
2920:Endangered Species Act of 1969
2524:Congressional Research Service
2104:VP confirmation of Gerald Ford
1458:Federal Housing Finance Agency
1344:as amended (FCRA is title VI;
1342:Consumer Credit Protection Act
1170:"Employment Background Checks"
1057:
1028:
1003:
988:
973:
947:
914:
891:Identity Theft Resource Center
740:Residential or tenant history;
438:Consumer Credit Protection Act
403:helpless to clear up errors.
1:
2745:Federal Energy Administration
2496:Federal Election Campaign Act
2281:Anti-Ballistic Missile Treaty
907:
768:Integrated Screening Partners
551:Users of the information for
147:15 U.S.C.: Commerce and Trade
3549:American Library Association
3274:Victims of Crime Act of 1984
3239:Money Laundering Control Act
3218:Computer Fraud and Abuse Act
2906:Marine Mammal Protection Act
2818:Clean Air Amendments of 1970
2438:Supplemental Security Income
2380:Education Amendments of 1972
1893:Banking in the United States
1564:Electronic Fund Transfer Act
1554:Home Mortgage Disclosure Act
737:Medical records or payments;
592:Not misuse your information;
586:Get your written permission;
578:Employment background checks
527:Actual or statutory damages;
513:Consumer reporting agencies;
142:12 U.S.C.: Banks and Banking
7:
3559:Center for Public Integrity
2883:Coastal Zone Management Act
2641:Consumer Product Safety Act
2424:National Cancer Act of 1971
2062:1970 Lincoln Memorial visit
2005:Presidency of Richard Nixon
1964:Presidency of Richard Nixon
1750:Federal savings association
1579:Depository Institutions Act
1337:US House of Representatives
1292:www.annualmedicalreport.com
833:
681:Consumer reporting agencies
387:consumer reporting agencies
247:United States Supreme Court
78:91st United States Congress
10:
3616:
3501:Department of the Treasury
3045:Senate Watergate Committee
2625:Permissible exposure limit
2403:Rehabilitation Act of 1973
2148:Presidential Proclamations
1559:Community Reinvestment Act
1443:Farm Credit Administration
1011:"What is a credit report?"
828:toll-free telephone number
397:
385:contained in the files of
3534:
3476:
3290:
3260:Fair Credit Reporting Act
3195:
3143:
3077:
2950:
2934:Oil Pollution Act of 1973
2775:
2553:Fair Credit Reporting Act
2535:
2350:Revised Philadelphia Plan
2334:
2309:Threshold Test Ban Treaty
2157:
2012:
1916:
1885:
1854:
1768:
1737:
1729:Truth in Savings (Reg DD)
1683:Loans to Insiders (Reg O)
1640:
1549:Fair Credit Reporting Act
1486:
1430:
776:Insurance Services Office
603:Furnishers of information
547:Users of consumer reports
363:Fair Credit Reporting Act
317:TransUnion LLC v. Ramirez
253:
245:
230:
225:
191:
186:
155:
134:
129:
106:
96:
91:
83:
72:
64:
55:
48:Credit Reporting Agencies
45:Consumer Credit Reporting
35:
26:
22:Fair Credit Reporting Act
3574:Humanitarian Law Project
3084:â Johnson administration
2717:Agricultural Act of 1970
2260:1973 Chilean coup d'Ă©tat
1969:templates for discussion
1709:Truth in Lending (Reg Z)
1680:Consumer Leasing (Reg M)
1531:Bank Holding Company Act
1526:Federal Credit Union Act
1496:Independent Treasury Act
1069:Federal Trade Commission
813:Although the major CRAs
806:(Ingenix Division), and
16:U.S. federal legislation
2982:Saturday Night Massacre
2724:Farm Credit Act of 1971
2694:Alternative minimum tax
1877:Thrift Financial Report
881:Fair Credit Billing Act
746:Employment history; or,
236:Credit CARD Act of 2009
156:U.S.C. sections amended
3036:United States v. Nixon
2687:Tax Reform Act of 1969
2364:Native American policy
2343:Family Assistance Plan
1607:GrammâLeachâBliley Act
846:Adverse Credit History
841:Annualcreditreport.com
743:Check writing history;
619:finance companies and
499:AnnualCreditReport.com
297:Spokeo, Inc. v. Robins
204:on May 25, 1970 (
3491:Department of Justice
3093:Ford administration â
2595:Smithsonian Agreement
2118:Judicial appointments
1738:Types of bank charter
1362:FTC advisory opinions
1094:"Free Credit Reports"
754:under FCRA includes:
509:The FCRA regulates:
2998:White House Plumbers
1898:Fair debt collection
1872:CAMELS rating system
1597:Truth in Savings Act
1574:Monetary Control Act
1539:Truth in Lending Act
1200:The Washington Times
1098:Consumer Information
995:Lauer, Josh (2017).
980:Lauer, Josh (2017).
866:Credit rating agency
780:Tenant Data Services
383:consumer information
369:), 15 U.S.C. § 1681
3511:Department of State
3052:impeachment process
2968:Operation Sandwedge
2703:Revenue Act of 1971
2503:1970 VRA Amendments
2251:Shanghai Communiqué
2244:1972 visit to China
2196:Paris Peace Accords
2168:International trips
2048:Second inauguration
1506:Federal Reserve Act
1431:Federal authorities
961:on February 8, 2009
804:United Health Group
712:The three big CRAsâ
472:laws passed in the
259:TRW Inc. v. Andrews
218:on October 26, 1970
187:Legislative history
23:
2975:Operation Gemstone
2274:1972 Moscow Summit
2030:First inauguration
1521:GlassâSteagall Act
1385:maintained by the
1333:United States Code
1320:United States Code
36:Other short titles
21:
3582:
3581:
3103:
3102:
3028:White House tapes
3019:list of opponents
2860:Noise Control Act
2459:Shafer Commission
2325:Space exploration
2295:Washington Summit
2189:Cambodian bombing
2097:1974 SOTU Address
2090:1973 SOTU Address
2083:1972 SOTU Address
2076:1971 SOTU Address
2069:1970 SOTU Address
2038:Bring Us Together
1954:
1953:
1769:State authorities
1644:Board regulations
1602:Riegle-Neal IBBEA
1501:National Bank Act
955:"Budgeting Tools"
940:978-0-538-44561-0
923:Intro to Business
749:Insurance claims.
561:background checks
533:Court costs; and,
359:
358:
109:Statutes at Large
3607:
3463:John Conyers Jr.
3343:Michael Chertoff
3328:Dianne Feinstein
3308:Alberto Gonzales
3246:Bank Secrecy Act
3130:
3123:
3116:
3107:
3106:
3096:
3087:
3070:
3063:
3054:
3047:
3040:
3030:
3021:
3014:
3007:
3000:
2993:
2984:
2977:
2970:
2963:
2943:
2936:
2929:
2922:
2915:
2908:
2901:
2892:
2885:
2878:
2869:
2862:
2855:
2848:
2841:
2834:
2827:
2820:
2813:
2804:
2797:
2790:
2768:
2761:
2754:
2747:
2740:
2733:
2726:
2719:
2712:
2705:
2696:
2689:
2680:
2673:
2666:
2657:
2650:
2643:
2636:
2627:
2620:
2613:
2606:
2597:
2590:
2583:
2576:
2569:
2562:
2555:
2548:
2546:Bank Secrecy Act
2526:
2519:
2512:
2505:
2498:
2491:
2482:
2475:
2468:
2461:
2454:
2447:
2440:
2433:
2426:
2419:
2412:
2405:
2396:
2389:
2382:
2373:
2366:
2359:
2352:
2345:
2327:
2320:
2311:
2304:
2297:
2290:
2283:
2276:
2269:
2262:
2253:
2246:
2239:
2230:
2223:
2214:
2207:
2204:Peace with Honor
2198:
2191:
2184:
2177:
2170:
2150:
2143:
2141:Executive Orders
2134:
2127:
2120:
2113:
2106:
2099:
2092:
2085:
2078:
2071:
2064:
2057:
2050:
2041:
2032:
2025:
1998:
1991:
1984:
1975:
1974:
1944:
1934:
1924:
1923:
1699:
1642:Federal Reserve
1544:Bank Secrecy Act
1516:1933 Banking Act
1417:
1410:
1403:
1394:
1393:
1303:
1302:
1300:
1298:
1284:
1278:
1277:
1270:
1264:
1263:
1261:
1259:
1253:
1245:
1236:
1235:
1233:
1231:
1221:"Home - e-OSCAR"
1217:
1211:
1210:
1208:
1206:
1192:
1186:
1185:
1183:
1181:
1174:Consumer.ftc.gov
1166:
1160:
1159:
1157:
1155:
1140:
1134:
1133:
1121:
1110:
1109:
1107:
1105:
1100:. March 26, 2013
1090:
1081:
1080:
1078:
1076:
1061:
1055:
1054:
1052:
1050:
1040:
1032:
1026:
1025:
1023:
1021:
1007:
1001:
1000:
992:
986:
985:
977:
971:
970:
968:
966:
951:
945:
944:
931:Cengage Learning
929:: South-Western
918:
896:Tenant Screening
851:Background check
621:mortgage banking
530:Attorney's fees;
480:Consumer reports
464:
448:
444:
430:
429:October 26, 1970
414:
410:
226:Major amendments
202:Passed the House
110:
87:October 26, 1970
31:
24:
20:
3615:
3614:
3610:
3609:
3608:
3606:
3605:
3604:
3585:
3584:
3583:
3578:
3536:
3530:
3521:Customs Service
3478:
3472:
3433:Dennis Kucinich
3373:Jay Rockefeller
3286:
3191:
3139:
3134:
3104:
3099:
3090:
3081:
3073:
3066:
3059:
3050:
3043:
3033:
3026:
3017:
3010:
3005:Watergate Seven
3003:
2996:
2989:
2980:
2973:
2966:
2959:
2946:
2939:
2932:
2925:
2918:
2911:
2904:
2897:
2888:
2881:
2874:
2865:
2858:
2851:
2844:
2837:
2830:
2825:Clean Water Act
2823:
2816:
2809:
2800:
2793:
2786:
2778:
2771:
2764:
2757:
2750:
2743:
2736:
2729:
2722:
2715:
2708:
2701:
2692:
2685:
2676:
2669:
2662:
2653:
2646:
2639:
2632:
2623:
2616:
2609:
2602:
2593:
2586:
2579:
2572:
2565:
2558:
2551:
2544:
2537:Economic policy
2531:
2522:
2515:
2508:
2501:
2494:
2487:
2480:Cannabis policy
2478:
2471:
2464:
2457:
2450:
2443:
2436:
2429:
2422:
2415:
2408:
2401:
2392:
2385:
2378:
2369:
2362:
2355:
2348:
2341:
2335:Domestic policy
2330:
2323:
2318:Operation CHAOS
2316:
2307:
2300:
2293:
2286:
2279:
2272:
2265:
2258:
2249:
2242:
2237:Tar Baby option
2235:
2226:
2221:Cold War period
2219:
2210:
2201:
2194:
2187:
2180:
2173:
2166:
2153:
2146:
2139:
2130:
2123:
2116:
2109:
2102:
2095:
2088:
2081:
2074:
2067:
2060:
2055:Silent majority
2053:
2046:
2035:
2028:
2021:
2008:
2002:
1972:
1955:
1950:
1936:Business portal
1912:
1908:Wildcat banking
1881:
1850:
1764:
1733:
1697:
1645:
1643:
1636:
1622:Credit CARD Act
1488:
1482:
1426:
1421:
1312:
1307:
1306:
1296:
1294:
1286:
1285:
1281:
1272:
1271:
1267:
1257:
1255:
1251:
1247:
1246:
1239:
1229:
1227:
1225:www.e-oscar.org
1219:
1218:
1214:
1204:
1202:
1194:
1193:
1189:
1179:
1177:
1168:
1167:
1163:
1153:
1151:
1142:
1141:
1137:
1123:
1122:
1113:
1103:
1101:
1092:
1091:
1084:
1074:
1072:
1071:. June 15, 2004
1063:
1062:
1058:
1048:
1046:
1038:
1034:
1033:
1029:
1019:
1017:
1009:
1008:
1004:
993:
989:
978:
974:
964:
962:
953:
952:
948:
941:
933:. p. 471.
919:
915:
910:
905:
836:
788:Retail Equation
730:
704:(10 years) and
678:
623:institutions).
605:
580:
549:
507:
505:Civil liability
491:
482:
474:Information Age
446:
412:
400:
391:consumer credit
355:
240:USA Freedom Act
238:
234:
221:
212:Signed into law
182:
151:
108:
73:Enacted by
51:
17:
12:
11:
5:
3613:
3603:
3602:
3597:
3580:
3579:
3577:
3576:
3571:
3566:
3561:
3556:
3551:
3546:
3540:
3538:
3535:Non-government
3532:
3531:
3529:
3528:
3523:
3518:
3513:
3508:
3503:
3498:
3493:
3488:
3482:
3480:
3474:
3473:
3471:
3470:
3465:
3460:
3455:
3453:Bernie Sanders
3450:
3448:Richard Durbin
3445:
3443:John E. Sununu
3440:
3435:
3430:
3425:
3423:Lisa Murkowski
3420:
3415:
3410:
3405:
3400:
3395:
3390:
3385:
3380:
3375:
3370:
3365:
3360:
3355:
3350:
3345:
3340:
3335:
3330:
3325:
3320:
3315:
3310:
3305:
3300:
3298:George W. Bush
3294:
3292:
3288:
3287:
3285:
3284:
3277:
3270:
3263:
3256:
3249:
3242:
3235:
3228:
3221:
3214:
3207:
3199:
3197:
3193:
3192:
3144:
3141:
3140:
3133:
3132:
3125:
3118:
3110:
3101:
3100:
3098:
3097:
3088:
3078:
3075:
3074:
3072:
3071:
3064:
3057:
3056:
3055:
3041:
3031:
3024:
3023:
3022:
3008:
3001:
2994:
2987:
2986:
2985:
2978:
2971:
2956:
2954:
2948:
2947:
2945:
2944:
2937:
2930:
2923:
2916:
2909:
2902:
2895:
2894:
2893:
2879:
2872:
2871:
2870:
2863:
2856:
2849:
2842:
2835:
2828:
2821:
2807:
2806:
2805:
2798:
2783:
2781:
2773:
2772:
2770:
2769:
2762:
2755:
2748:
2741:
2734:
2727:
2720:
2713:
2706:
2699:
2698:
2697:
2683:
2682:
2681:
2667:
2660:
2659:
2658:
2651:
2644:
2630:
2629:
2628:
2621:
2614:
2600:
2599:
2598:
2591:
2577:
2570:
2563:
2556:
2549:
2541:
2539:
2533:
2532:
2530:
2529:
2528:
2527:
2513:
2506:
2499:
2492:
2485:
2484:
2483:
2476:
2462:
2455:
2448:
2441:
2434:
2427:
2420:
2413:
2406:
2399:
2398:
2397:
2390:
2376:
2375:
2374:
2360:
2353:
2346:
2338:
2336:
2332:
2331:
2329:
2328:
2321:
2314:
2313:
2312:
2305:
2298:
2291:
2284:
2277:
2263:
2256:
2255:
2254:
2240:
2233:
2232:
2231:
2228:Linkage policy
2217:
2216:
2215:
2212:Vietnamization
2208:
2199:
2192:
2178:
2175:Nixon Doctrine
2171:
2163:
2161:
2159:Foreign policy
2155:
2154:
2152:
2151:
2144:
2137:
2136:
2135:
2128:
2114:
2107:
2100:
2093:
2086:
2079:
2072:
2065:
2058:
2051:
2044:
2043:
2042:
2026:
2018:
2016:
2010:
2009:
2001:
2000:
1993:
1986:
1978:
1952:
1951:
1949:
1948:
1938:
1928:
1917:
1914:
1913:
1911:
1910:
1905:
1900:
1895:
1889:
1887:
1883:
1882:
1880:
1879:
1874:
1869:
1864:
1858:
1856:
1852:
1851:
1849:
1848:
1843:
1838:
1833:
1828:
1823:
1818:
1813:
1808:
1803:
1798:
1793:
1788:
1783:
1778:
1772:
1770:
1766:
1765:
1763:
1762:
1757:
1752:
1747:
1741:
1739:
1735:
1734:
1732:
1731:
1726:
1721:
1716:
1711:
1706:
1703:
1700:
1695:
1692:
1687:
1684:
1681:
1678:
1675:
1672:
1667:
1662:
1657:
1652:
1648:
1646:
1641:
1638:
1637:
1635:
1634:
1629:
1624:
1619:
1614:
1609:
1604:
1599:
1594:
1589:
1584:
1581:
1576:
1571:
1566:
1561:
1556:
1551:
1546:
1541:
1536:
1533:
1528:
1523:
1518:
1513:
1508:
1503:
1498:
1492:
1490:
1487:Major federal
1484:
1483:
1481:
1480:
1475:
1470:
1465:
1460:
1455:
1450:
1445:
1440:
1434:
1432:
1428:
1427:
1420:
1419:
1412:
1405:
1397:
1391:
1390:
1380:
1371:
1370:
1369:
1359:
1339:
1326:
1311:
1310:External links
1308:
1305:
1304:
1279:
1265:
1237:
1212:
1187:
1161:
1135:
1111:
1082:
1056:
1027:
1002:
999:. p. 836.
987:
972:
946:
939:
912:
911:
909:
906:
904:
903:
898:
893:
888:
886:Identity theft
883:
878:
873:
868:
863:
861:Credit history
858:
853:
848:
843:
837:
835:
832:
792:Central Credit
751:
750:
747:
744:
741:
738:
729:
726:
710:
709:
698:
695:
692:
677:
674:
650:
649:
646:
643:
640:
604:
601:
600:
599:
596:
593:
590:
587:
579:
576:
575:
574:
571:
568:
548:
545:
538:
537:
534:
531:
528:
521:
520:
517:
514:
506:
503:
490:
487:
481:
478:
399:
396:
357:
356:
354:
353:
352:___ (2024)
333:
332:___ (2021)
313:
312:___ (2016)
293:
274:
254:
251:
250:
243:
242:
228:
227:
223:
222:
220:
219:
209:
199:
192:
189:
188:
184:
183:
181:
180:
179:§ 1681 et seq.
170:
159:
157:
153:
152:
150:
149:
144:
138:
136:
135:Titles amended
132:
131:
127:
126:
112:
104:
103:
98:
94:
93:
89:
88:
85:
81:
80:
74:
70:
69:
66:
62:
61:
57:
53:
52:
50:
49:
46:
43:
39:
37:
33:
32:
15:
9:
6:
4:
3:
2:
3612:
3601:
3598:
3596:
3593:
3592:
3590:
3575:
3572:
3570:
3567:
3565:
3562:
3560:
3557:
3555:
3552:
3550:
3547:
3545:
3542:
3541:
3539:
3537:organizations
3533:
3527:
3524:
3522:
3519:
3517:
3514:
3512:
3509:
3507:
3504:
3502:
3499:
3497:
3494:
3492:
3489:
3487:
3484:
3483:
3481:
3479:organizations
3475:
3469:
3466:
3464:
3461:
3459:
3456:
3454:
3451:
3449:
3446:
3444:
3441:
3439:
3436:
3434:
3431:
3429:
3426:
3424:
3421:
3419:
3416:
3414:
3413:Ellen Huvelle
3411:
3409:
3408:Russ Feingold
3406:
3404:
3401:
3399:
3396:
3394:
3393:Paul Sarbanes
3391:
3389:
3386:
3384:
3381:
3379:
3378:Arlen Specter
3376:
3374:
3371:
3369:
3366:
3364:
3361:
3359:
3358:Chuck Schumer
3356:
3354:
3351:
3349:
3346:
3344:
3341:
3339:
3336:
3334:
3331:
3329:
3326:
3324:
3321:
3319:
3316:
3314:
3313:Patrick Leahy
3311:
3309:
3306:
3304:
3303:John Ashcroft
3301:
3299:
3296:
3295:
3293:
3289:
3283:
3282:
3278:
3276:
3275:
3271:
3269:
3268:
3264:
3262:
3261:
3257:
3255:
3254:
3250:
3248:
3247:
3243:
3241:
3240:
3236:
3234:
3233:
3229:
3227:
3226:
3222:
3220:
3219:
3215:
3213:
3212:
3208:
3206:
3205:
3201:
3200:
3198:
3196:Acts modified
3194:
3190:
3186:
3182:
3178:
3174:
3170:
3166:
3162:
3158:
3154:
3150:
3147:
3142:
3138:
3131:
3126:
3124:
3119:
3117:
3112:
3111:
3108:
3095:
3094:
3089:
3086:
3085:
3080:
3079:
3076:
3069:
3065:
3062:
3058:
3053:
3049:
3048:
3046:
3042:
3038:
3037:
3032:
3029:
3025:
3020:
3016:
3015:
3013:
3009:
3006:
3002:
2999:
2995:
2992:
2988:
2983:
2979:
2976:
2972:
2969:
2965:
2964:
2962:
2958:
2957:
2955:
2953:
2949:
2942:
2938:
2935:
2931:
2928:
2924:
2921:
2917:
2914:
2910:
2907:
2903:
2900:
2896:
2891:
2887:
2886:
2884:
2880:
2877:
2873:
2868:
2864:
2861:
2857:
2854:
2850:
2847:
2843:
2840:
2836:
2833:
2829:
2826:
2822:
2819:
2815:
2814:
2812:
2808:
2803:
2799:
2796:
2792:
2791:
2789:
2785:
2784:
2782:
2780:
2777:Environmental
2774:
2767:
2763:
2760:
2756:
2753:
2749:
2746:
2742:
2739:
2735:
2732:
2728:
2725:
2721:
2718:
2714:
2711:
2707:
2704:
2700:
2695:
2691:
2690:
2688:
2684:
2679:
2675:
2674:
2672:
2668:
2665:
2661:
2656:
2652:
2649:
2645:
2642:
2638:
2637:
2635:
2631:
2626:
2622:
2619:
2615:
2612:
2608:
2607:
2605:
2601:
2596:
2592:
2589:
2585:
2584:
2582:
2578:
2575:
2571:
2568:
2564:
2561:
2557:
2554:
2550:
2547:
2543:
2542:
2540:
2538:
2534:
2525:
2521:
2520:
2518:
2514:
2511:
2507:
2504:
2500:
2497:
2493:
2490:
2486:
2481:
2477:
2474:
2470:
2469:
2467:
2463:
2460:
2456:
2453:
2449:
2446:
2442:
2439:
2435:
2432:
2428:
2425:
2421:
2418:
2414:
2411:
2407:
2404:
2400:
2395:
2391:
2388:
2384:
2383:
2381:
2377:
2372:
2368:
2367:
2365:
2361:
2358:
2354:
2351:
2347:
2344:
2340:
2339:
2337:
2333:
2326:
2322:
2319:
2315:
2310:
2306:
2303:
2299:
2296:
2292:
2289:
2288:SALT I Treaty
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984:. p. 64.
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673:
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463:June 29, 1968
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217:
216:Richard Nixon
214:by President
213:
210:
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185:
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171:
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125:84 Stat. 1127
124:
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105:
102:
99:
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90:
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79:
75:
71:
67:
63:
58:
54:
47:
44:
41:
40:
38:
34:
30:
25:
19:
3458:Jerry Nadler
3348:Barack Obama
3333:Viet D. Dinh
3279:
3272:
3265:
3259:
3258:
3251:
3244:
3237:
3230:
3223:
3216:
3209:
3202:
3145:
3091:
3082:
3034:
3012:Enemies List
2552:
2466:War on drugs
1962:
1946:Banks portal
1886:Other topics
1836:Pennsylvania
1745:Credit union
1548:
1511:McFadden Act
1376:from the US
1295:. Retrieved
1291:
1282:
1268:
1256:. Retrieved
1228:. Retrieved
1224:
1215:
1203:. Retrieved
1199:
1190:
1178:. Retrieved
1173:
1164:
1152:. Retrieved
1148:Casetext.com
1147:
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1102:. Retrieved
1097:
1073:. Retrieved
1068:
1059:
1047:. Retrieved
1042:
1030:
1018:. Retrieved
1014:
1005:
996:
990:
981:
975:
963:. Retrieved
959:the original
949:
922:
916:
871:Credit score
812:
752:
731:
711:
702:bankruptcies
679:
670:
666:
665:
661:
657:
656:
652:
651:
630:reporting a
625:
606:
581:
550:
542:
539:
522:
508:
492:
483:
470:data privacy
467:
432:
405:
401:
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366:
362:
360:
335:
315:
295:
276:
257:
211:
201:
195:
169:§§ 1830-1831
130:Codification
122:
18:
3468:Butch Otter
3438:Larry Craig
3403:Tom Daschle
3363:Lamar Smith
3353:Eric Holder
3318:Orrin Hatch
3137:Patriot Act
3061:Resignation
2581:Nixon shock
2182:Vietnam War
2111:Wilson desk
2007:(1969â1974)
1957:âč The
1867:CAEL Rating
1862:Call report
1489:legislation
1374:MyMoney.gov
1274:"iSoftpull"
1154:October 15,
1049:October 16,
1043:www.ftc.gov
927:Mason, Ohio
856:Credit card
760:ChoicePoint
615:companies,
613:credit card
431:, entitled
394:litigants.
292: (2007)
273: (2001)
3589:Categories
3477:Government
3398:Trent Lott
3388:Dick Armey
3383:Mike Oxley
3368:Bob Graham
2023:Transition
1811:New Jersey
1776:California
1760:State bank
1627:DoddâFrank
1258:October 6,
965:October 2,
908:References
823:TransUnion
784:LexisNexis
718:TransUnion
461:, enacted
453:, 82
427:, enacted
419:, 84
196:Introduced
97:Public law
56:Long title
3428:Ron Wyden
3338:Joe Biden
2952:Watergate
1841:Tennessee
1352:) in the
1335:from the
1322:from the
1254:. Ftc.gov
800:MIB Group
796:Teletrack
756:Telecheck
706:tax liens
609:creditors
557:insurance
173:15 U.S.C.
163:12 U.S.C.
92:Citations
84:Effective
65:Nicknames
60:purposes.
3418:Ron Paul
2961:Timeline
2394:Title IX
2014:Timeline
1959:template
1926:Category
1846:Virginia
1826:Oklahoma
1816:New York
1801:Michigan
1796:Maryland
1791:Illinois
1781:Colorado
1180:July 10,
834:See also
815:Experian
808:Milliman
714:Experian
632:judgment
434:purposes
114:84
3323:Jon Kyl
3189:History
2267:DĂ©tente
1961:below (
1786:Florida
1632:EGRRCPA
1350:details
1331:of the
1318:of the
1297:May 25,
1230:May 25,
1205:May 25,
1104:May 25,
1075:May 25,
1020:May 25,
819:Equifax
772:Innovis
722:Equifax
443:Pub. L.
409:Pub. L.
398:History
379:privacy
375:federal
371:et seq.
302:13-1339
3600:Credit
3506:FinCEN
3291:People
3146:Titles
3068:Pardon
3039:(1974)
2779:policy
1831:Oregon
1592:FDICIA
1587:FIRREA
1389:(CFPB)
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821:, and
798:, the
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764:Acxiom
720:, and
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417:91â508
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342:22-846
340:, No.
324:,
322:20-297
320:, No.
304:,
300:, No.
177:ch. 41
167:ch. 16
120:1114-2
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1855:Terms
1252:(PDF)
1039:(PDF)
455:Stat.
421:Stat.
373:, is
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249:cases
206:302â0
175:
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116:Stat.
3177:VIII
1821:Ohio
1299:2018
1260:2017
1232:2018
1207:2018
1182:2019
1156:2015
1106:2018
1077:2018
1051:2015
1022:2018
967:2012
935:ISBN
617:auto
425:1114
367:FCRA
361:The
350:U.S.
330:U.S.
310:U.S.
287:U.S.
268:U.S.
76:the
3173:VII
3157:III
2991:CRP
1354:GPO
1346:PDF
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381:of
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306:578
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3187:·
3183:·
3181:IX
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3169:VI
3167:·
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3161:IV
3159:·
3155:·
3153:II
3151:·
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365:(
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