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 4
... decisions . Quick credit decisions are important to many consumers who are in the market for new credit . A recent Federal Reserve Board study found that one in five active credit accounts was opened within the last year . Because of ...
... decisions . Quick credit decisions are important to many consumers who are in the market for new credit . A recent Federal Reserve Board study found that one in five active credit accounts was opened within the last year . Because of ...
Página 5
... decisions . in consumer transactions . For example , telephone service providers routinely use consumer reports to make decisions on whether to provide service and what deposit requirements , if any , to impose . Insurance companies are ...
... decisions . in consumer transactions . For example , telephone service providers routinely use consumer reports to make decisions on whether to provide service and what deposit requirements , if any , to impose . Insurance companies are ...
Página 8
... decision to enumerate the kinds of purposes for which this was a worthwhile use and an acceptable invasion of privacy ... decisions of earlier Congresses what weighed and bal- anced - tried to balance - various factors , such as privacy ...
... decision to enumerate the kinds of purposes for which this was a worthwhile use and an acceptable invasion of privacy ... decisions of earlier Congresses what weighed and bal- anced - tried to balance - various factors , such as privacy ...
Página 14
... decisions relative to lending . Now , Mr. Beales , can you tell us whether this evolution of the credit reporting industry and the FCRA has resulted in personal credit histories being more portable ? In other words , if someone applies ...
... decisions relative to lending . Now , Mr. Beales , can you tell us whether this evolution of the credit reporting industry and the FCRA has resulted in personal credit histories being more portable ? In other words , if someone applies ...
Página 27
... decisions were made was you applied for credit that was available on a fixed set of terms and you were either approved or denied on that same fixed set of terms . I think probably the predominant model today is you apply_for 27.
... decisions were made was you applied for credit that was available on a fixed set of terms and you were either approved or denied on that same fixed set of terms . I think probably the predominant model today is you apply_for 27.
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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