Industry Resources

Below we have compiled a list of important online resources pertaining to legislation governing the access and use of information.

Fair Credit Reporting Act

The FCRA is the federal law which regulates the credit reporting industry.

• FCRA

Fair and Accurate Credit Transactions Act of 2003

• FACTA
• Red Flags Regulations
• Risk Based Pricing

Gramm-Leach-Bliley Act

• GLB Act

Fair Debt Collection Practices Act

• FDCPA

Fair Credit Billing Act

• FCBA

Credit Repair Organizations Act

• CROA text

Equal Credit Opportunity Act

• ECOA text

Consumer Information

The Fair and Accurate Credit Transactions Act of 2003, which amended the Fair Credit Reporting Act, allows consumers to request this free credit file disclosure once every 12 months from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion. AnnualCreditReport.com is the centralized source for consumers to request annual free credit file disclosures. It is the only website authorized to process requests for annual free credit file disclosures authorized by law.

• Summary of Consumer Rights under the Fair Credit Reporting Act
• FTC Consumer Information on Loans & Credit

Identity Theft

• Identity Theft information from the Federal Trade Commission
• Identity Theft information from the Department of Justice