Fair Credit Reporting Act
Major Links
Recent Highlights
- FTC Settlements Require Equifax to Forfeit Money Made by Allegedly Improperly Selling Information about Millions of Consumers Who Were Late on Their Mortgages (October 10, 2012)
- Employment Background Screening Company to Pay $2.6 Million Penalty for Multiple Violations of the Fair Credit Reporting Act (August 8, 2012)
- FTC Issues a Report on the Experiences of Victims Recovering from Identity Theft (March 12, 2012)
- FTC Warns Marketers that Mobile Apps May Violate Fair Credit Reporting Act (February 7, 2012)
- Under FTC Settlement, Debt Buyer Agrees to Pay 2.5 Million for Alleged Consumer Deception (Janauary 30, 2012)
- Consumer Reporting Agency to Pay $1.8 Million for FCRA Violations (June 27, 2011)
- Credit Report Resellers Settle FTC Charges That Their Security Failed to Protect Consumers' Personal Information (February 3, 2011)
- FTC Publishes Annual "Maximum Charge" Calculation (December 17, 2010)
- Consumer Reporting Agency for Casinos Pays $150,000 to Settle FTC Charges of FCRA Violations (April 22, 2010)
- Marketing Company Pays $157,000 to Settle FTC Charges of FCRA and Other Law Violations (March 30, 2010)
- Debt Collectors Will Pay More Than $1 Million to Settle FTC Charges They Violated FCRA Provisions on Furnishing Information to Credit Bureaus (03/03/10)
- FTC Amends Free Credit Reports Rule To Help Consumers Steer Clear of ‘Free’ Offers that Cost Money (February 22, 2010)
- Tenant Screening Agency Pays $100,000 to Settle FTC Charges That It Violated the Fair Credit Reporting Act By Failing to Respond to Consumers’ Requests for Their Files, or to Investigate Disputes (02/02/10)
- Mortgage Broker Who Dumped Consumer Records Settles FTC Charges (January 20, 2010)
- Mortgage Lender Pays $20,000 to Settle FTC Charges That Its Prescreened Loan Offers Lacked Proper Opt-Out Notice (08/18/2009)
- Two Companies Pay $77,000 to Settle FTC Charges That They Failed to Give Required FCRA Notices to Fired Workers and Rejected Job Applicants (August 11, 2009)
- Consumer Reporting Agency Agrees to Pay $350,000 To Settle FTC Charges That It Failed to Provide Required Notices to Users of Consumer Reports and to Furnishers of Information Used in Consumer Reports (July 9, 2009)
- FTC Offers ‘Red Flags’ Web Site To Help Creditors and Financial Institutions Design Identity Theft Prevention Programs (April 2, 2009)
- Consumer Reporting Agency Settles FTC Charges That Sale of Tenant Screening Reports to Identity Thieves Violated the FCRA (March 5, 2009)
- Bureau of Consumer Protection Issues Letter Concerning Applicability of the “Red Flags” Rule to Health Care Providers (February 4, 2009)
- FTC Charges Mortgage Broker With Violations of FCRA and Disposal Rule, Seeks Monetary Civil Penalties (December 30, 2008)
- Commission Raises FCRA Maximum Civil Penalty Amount to $3500 Per Violation (December 23, 2008)
- Mortgage Servicers Agree to Pay $28 Million to Settle FTC Charges, Including Failure to Report Consumer Disputes to Credit Bureaus as Required by the FCRA (September 9, 2008)
"FACT Act" Actions
- Commission and Federal Reserve Board Propose Changes to Risk-Based Pricing Rule (March 1, 2011)
- FTC Proposes Changes to Update and Improve Credit Reporting Notices (August 16, 2010)
- FTC Extends Enforcement Deadline for Identity Theft "Red Flags" Rule (May 28, 2010)
- FTC Publishes Amendment to "Free Credit Report" Rule, Effective April 1, 2010 (February 22, 2010)
- Commission and Federal Reserve Board Issue Final Rules on Risk-Based Pricing Notices (December 22, 2009)
- FTC and Bank Agencies Publish Final “Furnisher” Rules Required by FACT Act (July 1, 2009)
- FTC and Bank Agencies Issue Proposed Amendment to "Furnisher Accuracy" Rule (July 1, 2009)
- FTC Reports to Congress on Credit Report Complaint Referral Program Required by FACT Act (December 30, 2008)
- FTC Submits Third Interim Report to Congress on "Accuracy" Study (December 23, 2008)
- FTC Announces Second Comment Period on Survey of Information Sharing Among Affiliates (December 10, 2007)
- FTC and Bank Agencies Issue Final Identity Theft “Red Flags” Rules (October 31, 2007)
- FTC Issues Final Rule On Limiting Marketing Solicitations From Affiliates (October 23, 2007)
- FTC/FRB Issue Joint Report on FCRA’s Consumer Dispute Provisions Required by FACT Act (August 9, 2006)
- FTC Publishes Model Forms and Procedures for Identity Theft Victims (April 22, 2005)
- FTC Prescreen Opt-out Notice Rule Takes Effect August 1 (July 27, 2005)
- FTC Reports to Congress on Studies Required by FACT Act (December 9, 2004)
- FTC Issues Final Summaries And Notices Under FACTA (November 19, 2004)
- FTC Rule on Consumer Information and Records Disposal Takes Effect (June 1, 2005)
- FTC Seeks Comments on Proposed Fee for Credit Scores (November 3, 2004)
- FTC Issues Final Rules on Identity Theft Definitions, Active Duty Alert Duration, and Appropriate Proof of Identity
- FTC Publishes "Free Credit Report" Rule (June 4, 2004)
- FTC Comments to Federal Banking and Credit Union Agencies in "Medical Information" Rulemaking (May 28, 2004)
- FTC Revises FACT Act Rules (May 20, 2004)
- FTC Announces New Complaint-referral Program (April 23, 2004)
- FTC Publishes Rule Prohibiting Circumvention of "Free Credit Report" Rule (February 18, 2004)
- FTC and Federal Reserve Board Jointly Announce Effective Dates for FCRA Amendments (February 04, 2004)
