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Fair Credit Reporting Act (FCRA) of 1970

A federal act aiming to promote the fairness and accuracy of information contained in consumer reports, such as a credit report. It creates legal standards for the collection, use, and dissemination of consumer credit information. It also contains notice and opt-out provisions for the sharing of credit-related information between affiliates and for pre-screened solicitation of consumers. The FCRA was amended by the Fair and Accurate Credit Transactions Act (FACTA) of 2003 (PL 108–159, 12/04/03). The FACTA requires the commission and other agencies to implement many of the new provisions of the FCRA by means of rules and regulations.

Links for IRMI Online Subscribers Only: TRR 5/2004


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