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Legislative Updates

New Rule Tells How to Dispose of Consumer Report Information
Any business or individual who uses a consumer report for a business purpose is subject to the requirements of this rule. (June 2005)

FTC Issues Final Summaries and Notices Under FACTA
The Federal Trade Commission issues guidelines for reporting companies regarding identity theft and consumer rights. (November 2004)

FTC Issues Final Rule on Free Annual Credit Reports
The rule amends the FCRA to require major consumer reporting agencies once a year to offer consumers a free copy of their credit report. (June 2004)

Federal and State Compliance

Your Access to Free Credit Reports
A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued, arrested, or filed for bankruptcy.

Full Text of the Fair Credit Reporting Act
All users of consumer reports, as well as furnishers of information, have legal obligations under the FCRA. States may impose additional requirements.

Summary of Consumer Rights Under the FCRA
Rules and regulations promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies.