TAILIEUCHUNG - FAIR AND ACCURATE CREDIT TRANSACTIONS ACT OF 2003

THE outward guise assumed by the questions with which banking and currency policy is concerned changes from month to month and from year to year. Amid this flux, the theoretical apparatus which enables us to deal with these questions remains unaltered. In fact, the value of economics lies in its enabling us to recognize the true significance ofproblems, divested of their accidental trimmings. No very deep knowledge of economics is usually needed for grasping the immediate effects of a measure; but the task of economics is to foretell the remoter effects, and so to allow us to avoid such acts as attempt to remedy a present ill by sowing. | AUTHENTICATED . GOVERNMENT INFORMATION GPO. PUBLIC LAW 108-159 DEC. 4 2003 FAIR AND ACCURATE CREDIT TRANSACTIONS ACT OF 2003 117 STAT. 1952 PUBLIC LAW 108-159 DEC. 4 2003 Dec. 4 2003 . 2622 Fair and Accurate Credit Transactions Act of 2003. 15 USC 1601 note. Public Law 108-159 108th Congress 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. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled SECTION 1. SHORT TITLE TABLE OF CONTENTS. a Short Title. This Act may be cited as the Fair and AccurateCredit Transactions Act of 2003 . b Table of Contents. The table of contents for this Act is as follows Sec. 1. Short title table of contents. Sec. 2. Definitions. Sec. 3. Effective dates. TITLE I IDENTITY THEFT PREVENTION AND CREDIT HISTORY RESTORATION Subtitle A Identity Theft Prevention Sec. 111. Amendment to definitions. Sec. 112. Fraud alerts and active duty alerts. Sec. 113. Truncation of credit card and debit card account numbers. Sec. 114. Establishment of procedures for the identification of possible instances of identity theft. Sec. 115. Authority to truncate social security numbers. Subtitle B Protection and Restoration of Identity Theft Victim Credit History Sec. 151. Summary of rights of identity theft victims. Sec. 152. Blocking of information resulting from identity theft. Sec. 153. Coordination of identity theft complaint investigations. Sec. 154. Prevention of repollution of consumer reports. Sec. 155. Notice by debt collectors with respect to fraudulent information. Sec. 156. Statute of limitations. Sec. 157. Study on the use of technology to combat identity theft. TITLE II IMPROVEMENTS IN USE OF AND CONSUMER ACCESS TO CREDIT INFORMATION Sec. 211. Free consumer reports. Sec. 212. Disclosure of .

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