TAILIEUCHUNG - THE FAIR CREDIT REPORTING ACT

A 1994 study conducted by the National Association of Independent Credit Reporting Agencies (now known as the National Credit Reporting Association) represents a third approach to the question of credit report accuracy. Examining a total of 1,710 files, this study reviewed a three-repository merged infile (which contains the credit reports from all three credit repositories), and conducted a two-repository Residential Mortgage Credit Report, or RMCR (in which all conflicting data in the two credit repository reports and the application form is verified with each creditor, and a consumer interview is conducted) for each file. The results showed missing, duplicated,. | THE FAIR CREDIT REPORTING ACT As a public service the staff of the Federal Trade Commission FTC has prepared the following complete text of the Fair Credit Reporting Act FCRA 15 . 1681 et seq. Although staff generally followed the format of the . Code as published by the Government Printing Office the format of this text does differ in minor ways from the Code and from West s . Code Annotated . For example this version uses FCRA section numbers 601-629 in the headings. The relevant . Code citation is included with each section heading and each reference to the FCRA in the text. Although the staff has made every effort to transcribe the statutory material accurately this compendium is intended only as a convenience for the public and not a substitute for the text in the . Code. This version of the FCRA includes the amendments to the FCRA set forth in the Consumer Credit Reporting Reform Act of 1996 Public Law 104-208 the Omnibus Consolidated Appropriations Act for Fiscal Year 1997 Title II Subtitle D Chapter 1 Section 311 of the Intelligence Authorization for Fiscal Year 1998 Public Law 105-107 the Consumer Reporting Employment Clarification Act of 1998 Public Law 105-347 Section 506 of the Gramm-Leach-Bliley Act Public Law 106-102 Sections 358 g and 505 c of the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 USA PATRIOT Act Public Law 107-56 the Fair and Accurate Credit Transactions Act of 2003 FACT Act Public Law 108-159 Section 719 of the Financial Services Regulatory Relief Act of 2006 Public Law 109-351 Section 743 Div. D Title VII of the Consolidated Appropriations Act of 2008 Public Law 110-161 the Credit and Debit Card Receipt Clarification Act of 2007 Public Law 110-241 and Sections 205 and 302 of the Credit Card Accountability Responsibility and Disclosure CARD Act of 2009 Public Law 111-24 the Consumer Financial Protection Act of 2010 CFPA Title X of the Dodd-Frank

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