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 5
... give adverse action notices to con- sumers who did not qualify for online pre - approval because of infor- mation in their credit reports . The Commission is also engaged in extensive consumer and busi- ness education , including the ...
... give adverse action notices to con- sumers who did not qualify for online pre - approval because of infor- mation in their credit reports . The Commission is also engaged in extensive consumer and busi- ness education , including the ...
Página 7
... Give us an example . Mr. BEALES . The typical example is how well you repay your bills , so your repayment history . Chairman SHELBY . Sure . It certainly does has probative value , doesn't it ? Mr. BEALES . It certainly does . It is ...
... Give us an example . Mr. BEALES . The typical example is how well you repay your bills , so your repayment history . Chairman SHELBY . Sure . It certainly does has probative value , doesn't it ? Mr. BEALES . It certainly does . It is ...
Página 13
... give us a run - through of what credit card pricing might look like without prescreening ? Say prior to 1990 , compared to today . Mr. BEALES . It is difficult to attribute causality to any of the changes that have happened since 1990 ...
... give us a run - through of what credit card pricing might look like without prescreening ? Say prior to 1990 , compared to today . Mr. BEALES . It is difficult to attribute causality to any of the changes that have happened since 1990 ...
Página 16
... give rise to a before and after . In fact , what the 1996 Amendments did was to codify the ability to prescreen and to make it a little bit less restrictive in terms of how firm the offer had to be than the FTC's staff opinions had been ...
... give rise to a before and after . In fact , what the 1996 Amendments did was to codify the ability to prescreen and to make it a little bit less restrictive in terms of how firm the offer had to be than the FTC's staff opinions had been ...
Página 22
... give guid- ance and advice . I assume that somewhere in there , there is also some enforce- ment jurisdiction . Is that correct ? Mr. BEALES . That is correct . Senator MILLER . And if so , talk to me a little bit about that . Mr ...
... give guid- ance and advice . I assume that somewhere in there , there is also some enforce- ment jurisdiction . Is that correct ? Mr. BEALES . That is correct . Senator MILLER . And if so , talk to me a little bit about that . Mr ...
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Términos y frases comunes
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