Source: https://library.nclc.org/fcr
Timestamp: 2019-04-24 14:07:16+00:00

Document:
2.3 Is a “Consumer Report” Involved?
4.5.2.5 Can a Third Party Send the Dispute?
5.2.5.2 What Are “Reasonable” Procedures?
7.1.3 Can a Consumer Deny Permission for a Release of a Consumer Report?
7.1.8 Is Information a Consumer Report If Released for Impermissible Purposes?
7.2.3.1.3 Must credit be for personal, family, or household purposes?
7.3.3.3.3 What must an offer include to be “firm”?
10.2.3 When Are “Reasonable Procedures” Relevant to FCRA Claims?
10.7.1.3 When Is State Law Inconsistent with the FCRA?
12.3.1.3.1.2 What is the date of the violation?
12.4.2 Is There an Arbitration Agreement?
12.4.3.1 Does the Arbitration Agreement Apply to the Dispute?
12.4.3.2 Was the Agreement Properly Formed?
12.4.3.3 Has the Company Waived the Arbitration Requirement?
12.4.3.4 Is the Arbitration Agreement Unconscionable?
12.4.4 Does the Court or Arbitrator Determine Arbitrability?
12.5.2.3.1 Are intangible damages available?
12.7.1 When Are Fees and Costs Awarded?
12.7.1.3 Are Attorney Fees Mandatory?
14.4 Does Withholding Payment As Part of a Dispute Ruin a Consumer’s Credit Record?
15.1.1 What Is an Investigative Consumer Report?
16.2 What Is Credit Scoring?
16.9 Do Credit Scores Discriminate?
17.2.2.2.3 Is the organization offering a “service”?
17.2.8.4 Does an Arbitration Requirement Apply to CROA Claims?
17.3.4.3 Do Retailers Fall Within a Specific Statutory Exemption?
(f) Certain use or obtaining of information prohibited.
(g) Protection of medical information.
(a) Information excluded from consumer reports—Prohibited items.
(d) Information required to be disclosed.
(e) Indication of closure of account by consumer.
(f) Indication of dispute by consumer.
(g) Truncation of credit card and debit card numbers.
(h) Notice of discrepancy in address.
(f) Duty of reseller to reconvey alert.
(g) Duty of other consumer reporting agencies to provide contact information.
(h) Limitations on use of information for credit extensions.
(j) National protection for files and credit records of protected consumers.
(a) Information on file; sources; report recipients.
(c) Summary of rights to obtain and dispute information in consumer reports and to obtain credit scores.
(d) Summary of rights of identity theft victims.
(e) Information available to victims.
(f) Disclosure of credit scores.
(g) Disclosure of credit scores by certain mortgage lenders.
(c) Notification of consumer dispute in subsequent consumer reports.
(d) Notification of deletion of disputed information.
(e) Treatment of complaints and report to Congress.
(f) Reinvestigation requirement applicable to resellers.
§ 1681j. Charges for certain disclosures [FCRA § 612].
(b) Free disclosure after adverse notice to consumer.
(c) Free disclosure under certain other circumstances.
(d) Free disclosures in connection with fraud alerts.
(f) Reasonable charges allowed for certain disclosures.
(g) Prevention of deceptive marketing of credit reports.
(a) Duties of users taking adverse actions on the basis of information contained in consumer reports.
(c) Reasonable procedures to assure compliance.
(e) Red flag guidelines and regulations required.
(f) Prohibition on sale or transfer of debt caused by identity theft.
(g) Debt collector communications concerning identity theft.
(d) Enforcement under other authority.
(f) Coordination of consumer complaint investigations.
(g) Bureau regulation of coding of trade names.
(e) Accuracy guidelines and regulations required.
(a) Identity of financial institutions.
(c) Court order for disclosure of consumer reports.
(d) Prohibition of certain disclosure.
(k) Disciplinary actions for violations.
12 C.F.R. § 1022.1 Purpose, scope, and model forms and disclosures.
12 C.F.R. § 1022.2 Examples.
12 C.F.R. § 1022.3 Definitions.
12 C.F.R. § 1022.20 Coverage and definitions.
12 C.F.R. § 1022.21 Affiliate marketing opt-out and exceptions.
12 C.F.R. § 1022.22 Scope and duration of opt-out.
12 C.F.R. § 1022.23 Contents of opt-out notice; consolidated and equivalent notices.
12 C.F.R. § 1022.24 Reasonable opportunity to opt out.
12 C.F.R. § 1022.25 Reasonable and simple methods of opting out.
12 C.F.R. § 1022.26 Delivery of opt-out notices.
12 C.F.R. § 1022.27 Renewal of opt-out.
12 C.F.R. § 1022.30 Obtaining or using medical information in connection with a determination of eligibility for credit.
12 C.F.R. § 1022.31 Limits on redisclosure of information.
12 C.F.R. § 1022.32 Sharing medical information with affiliates.
12 C.F.R. § 1022.40 Scope.
12 C.F.R. § 1022.41 Definitions.
12 C.F.R. § 1022.42 Reasonable policies and procedures concerning the accuracy and integrity of furnished information.
12 C.F.R. § 1022.43 Direct disputes.
12 C.F.R. § 1022.54 Duties of users making written firm offers of credit or insurance based on information contained in consumer files.
12 C.F.R. § 1022.70 Scope.
12 C.F.R. § 1022.71 Definitions.
12 C.F.R. § 1022.72 General requirements for risk-based pricing notices.
12 C.F.R. § 1022.73 Content, form, and timing of risk-based pricing notices.
12 C.F.R. § 1022.74 Exceptions.
12 C.F.R. § 1022.75 Rules of construction.
12 C.F.R. § 1022.82 Duties of users regarding address discrepancies.
12 C.F.R. § 1022.121 Active duty alerts.
12 C.F.R. § 1022.123 Appropriate proof of identity.
12 C.F.R. § 1022.130 Definitions.
12 C.F.R. § 1022.136 Centralized source for requesting annual file disclosures from nationwide consumer reporting agencies.
12 C.F.R. § 1022.137 Streamlined process for requesting annual file disclosures from nationwide specialty consumer reporting agencies.
12 C.F.R. § 1022.138 Prevention of deceptive marketing of free credit reports.
12 C.F.R. § 1022.140 Prohibition against circumventing or evading treatment as a consumer reporting agency.
12 C.F.R. § 1022.141 Reasonable charges for certain disclosures.
12 C.F.R. § 1090.100 Scope and purpose.
12 C.F.R. § 1090.101 Definitions.
12 C.F.R. § 1090.102 Status as larger participant subject to supervision.
12 C.F.R. § 1090.103 Assessing status as a larger participant.
12 C.F.R. § 1090.104 Consumer Reporting Market.
16 C.F.R. § 604.1 Severability.
16 C.F.R. § 681.1 Duties regarding the detection, prevention, and mitigation of identity theft.
16 C.F.R. § 681.2 Duties of card issuers regarding changes of address.
16 C.F.R. § 682.1 Definitions.
16 C.F.R. § 682.2 Purpose and scope.
16 C.F.R. § 682.3 Proper disposal of consumer information.
16 C.F.R. § 682.4 Relation to other laws.
16 C.F.R. § 682.5 Effective date.
17 C.F.R. § 248.30 Procedures to safeguard customer records and information; disposal of consumer report information.
§ 1016.1 Purpose and scope.
§ 1016.2 Model privacy form and examples.
§ 1016.4 Initial privacy notice to consumers required.
§ 1016.5 Annual privacy notice to customers required.
§ 1016.6 Information to be included in privacy notices.
§ 1016.7 Form of opt out notice to consumers; opt out methods.
§ 1016.8 Revised privacy notices.
§ 1016.9 Delivering privacy and opt out notices.
§ 1016.10 Limits on disclosure of nonpublic personal information to nonaffiliated third parties.
§ 1016.11 Limits on redisclosure and reuse of information.
§ 1016.12 Limits on sharing account number information for marketing purposes.
§ 1016.13 Exception to opt out requirements for service providers and joint marketing.
§ 1016.14 Exceptions to notice and opt out requirements for processing and servicing transactions.
§ 1016.15 Other exceptions to notice and opt out requirements.
§ 1016.16 Protection of Fair Credit Reporting Act.
§ 1016.17 Relation to state laws.
§ 314.1 Purpose and scope.
§ 314.3 Standards for safeguarding customer information.
12 C.F.R. § 208.3 Application and conditions for membership in the Federal Reserve System.
12 C.F.R. § 211.5 Edge and agreement corporations.
12 C.F.R. § 211.24 Approval of offices of foreign banks; procedures for applications; standards for approval; representative office activities and standards for approval; preservation of existing authority.
12 C.F.R. § 225.4 Corporate practices.
12 C.F.R. § 364.101 Standards for safety and soundness.
12 C.F.R. § 748.0 Security program.
The treatise explains the latest changes in credit reporting resulting from CFPB actions and those of the state attorneys general, as well as thousands of new FCRA court decisions. Also covered are the Credit Report Organizations Act, Gramm Leach Bliley, and state credit reporting statutes.
Who must comply with the FCRA -- you will be surprised!
Advising clients about their credit record.
"NCLC's Fair Credit Reporting and other manuals are the best and most comprehensive resources in the marketplace for a consumer lawyers and comparatively inexpensive to boot. They are held in such high esteem that opposing counsel show up in court with them!"

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 § 1090
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 § 604
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 § 248

§ 1016

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§ 314

§ 314
 § 208
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 § 225
 § 364
 § 748