The Fair Credit Reporting Act and Issues Presented by Reauthorization of the Expiring Preemption Provisions: Hearing Before the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred Eighth Congress, First Session, on the History, Purpose, and Function of the Fair Credit Reporting Act and Provisions Subject to the Expiring Preemption Provisions Specifically, the Growing Problems of Identity Theft, Affiliate Sharing Practices, Accuracy of Credit Report Information, Consumer Awareness and Understanding the Credit Granting Process and Addressing Measures to Enhance the Act, May 20, June 19, 26, July 10, 29, and 31, 2003U.S. Government Printing Office, 2004 - 706 páginas |
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Página 2
... applications of the law. It is my hope and intent that, at the end of this process, we will have obtained a full sense of the ... application of the Gramm-Leach-Bliley legislation and our entire approach to how credit and the information ...
... applications of the law. It is my hope and intent that, at the end of this process, we will have obtained a full sense of the ... application of the Gramm-Leach-Bliley legislation and our entire approach to how credit and the information ...
Página 2
... applications of the law . It is my hope and intent that , at the end of this process , we will have obtained a full sense ... application of the Gramm - Leach - Bliley legislation and our entire approach to how credit and the information ...
... applications of the law . It is my hope and intent that , at the end of this process , we will have obtained a full sense ... application of the Gramm - Leach - Bliley legislation and our entire approach to how credit and the information ...
Página 4
... application process has evolved from a relatively time - con- suming individualized procedure that relied on loan officers ' case- by - case estimates , to a more sophisticated and partial system that relies on consistent assessment of ...
... application process has evolved from a relatively time - con- suming individualized procedure that relied on loan officers ' case- by - case estimates , to a more sophisticated and partial system that relies on consistent assessment of ...
Página 10
... application with the subprime lending arm of the same company , it would itself be a consumer re- porting agency and subject to all of the other requirements of the FCRA . After the 1996 Amendments , that kind of information sharing was ...
... application with the subprime lending arm of the same company , it would itself be a consumer re- porting agency and subject to all of the other requirements of the FCRA . After the 1996 Amendments , that kind of information sharing was ...
Página 47
... application . If you were new to the community or applying for credit for the first time , you might get turned down or be approved for only a small , entry - level loan . The decision would often take days and would be based solely on ...
... application . If you were new to the community or applying for credit for the first time , you might get turned down or be approved for only a small , entry - level loan . The decision would often take days and would be based solely on ...
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1996 Amendments AARP accuracy affiliate sharing alert allow bank BEALES CDIA Chairman MURIS Chairman SHELBY Citibank Citigroup Committee companies complaints Congress consumer credit Consumer Data consumer protection consumer reporting agencies CRA's credit bureaus credit card credit information credit report information Credit Reporting Act credit reporting agencies credit reporting system credit scores creditors customers database disclosure dispute enacted Equifax Experian Fair Credit Reporting Fair Isaac Fargo FCRA Federal Trade Commission FICO scores financial institutions financial services furnishers hearing identifying identity theft identity theft victims important industry information sharing issue law enforcement legislation lenders loan mortgage Neiman Marcus offers percent personal information preemption prescreening problem rates retail risk risk-based pricing Senator BENNETT Senator SARBANES Social Security number standards statement sumer testimony Thank tion transaction TransUnion Vermont victims of identity