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The Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports.
The relevant sections of the Fair Credit Reporting act state that any "person" who either negligently or willfully "fail[s] to comply with any requirement imposed under [the FCRA] with respect to any consumer is liable to that consumer" for civil damages. A "person" is defined to included "any government or government subdivision or agency."
Fair and Accurate Credit Transactions Act; Other short titles: Financial Literacy and Education Improvement Act: Long title: An Act to amend the Fair Credit Reporting Act, to prevent identity theft, improve resolution of consumer disputes, improve the accuracy of consumer records, make improvements in the use of, and consumer access to, credit information, and for other purposes.
Download QR code; Print/export Download as PDF; Printable version; In other projects ... FCRA may refer to: Fair Credit Reporting Act, United States; Foreign ...
The Economic Growth, Regulatory Relief, and Consumer Protection Act (abbreviated EGRRCPA; Pub. L. 115–174 (text), S. 2155) was signed into law by President Donald Trump on May 24, 2018.
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Debt validation, or "debt verification", refers to a consumer's right to challenge a debt and/or receive written verification of a debt from a debt collector. The right to dispute the debt and receive validation are part of the consumer's rights under the United States Federal Fair Debt Collection Practices Act (FDCPA) and are set out in §809 of that act, which has been codified in Title 15 ...
The Economic Growth and Regulatory Paperwork Reduction Act of 1996 or EGRPRA (passed as part of Omnibus Consolidated Appropriations Act of 1997 Pub. L. 104–208 (text)) is a United States federal law that requires the Federal Financial Institutions Examination Council and its member agencies to review their regulations at least once every 10 years to identify any outdated, unnecessary or ...