Fair Credit Reporting Act

>> "FACT Act" Actions<<

• FTC Issues Final Rule on Prescreen Notices (January 24, 2005)
  • 69 FR 58861 (10/01/04)
  • 70 FR 5022 (01/31/05)
  • Public Comments
    
    
• FTC Reports to Congress on Studies Required by FACT Act (December 9, 2004)
  • FTC Requests Comments to Aid "Same Credit Report" Study (06/15/04; 69 FR 33387)
    • Public Comments
  • FTC Announces Roundtable to Aid "Accuracy" Study (06/10/04; 69 FR 32549)
  • FTC Announces Pilot Study and Requests Comments to Aid "Accuracy" Study (10/20/04; 69 FR 61675)
  • FTC Requests Comments on Agency Information Collection Activities (69 FR 34166; 06/18/04)
  • FTC Requests Comments to Aid "Credit & Insurance Score" Study (69 FR 34167; 06/18/04)
    • Public Comments
      
• FTC Issues Final Summaries And Notices Under FACTA (November 19, 2004)
  • 69 FR 42616 (07/16/04)
  • 69 FR 69776 (11/30/04)
  • Public Comments
    
    
• FTC Issues Final Regulation on Consumer Information and Records Disposal (November 18, 2004)
  • 69 FR 21388 (04/20/04)
  • 69 FR 41219 (07/08/04)
  • 69 FR 68690 (11/24/04)
  • Public Comments
    
    
• FTC Seeks Comments on Proposed Fee for Credit Scores (November 3, 2004)
  • 69 FR 64698 (11/08/04)
  • Public Comments
    
    
• FTC Issues Final Rules on Identity Theft Definitions, Active Duty Alert Duration, and Appropriate Proof of Identity
  • 69 FR 63922 (11/03/04)
  • 69 FR 23369 (04/28/04)
  • Public Comments
    
    
• FTC Testifies that FACT Act Provisions Will Reduce Identity Theft and Help Victims Recover (June 15, 2004)
  
  
• FTC Seeks Comments on Proposed Rule Limiting Marketing Solicitations from Affiliates (June 10, 2004)
  • 69 FR 33324 (06/15/04)
  • 69 FR 43546 (07/21/04)
  • Public Comments
    
    
• FTC Publishes "Free Credit Report" Rule (June 4, 2004)
  • 69 FR 13192 (03/19/04)
  • 69 FR 35468 (6/24/04)
  • Public Comments
    
    
• FTC Comments to Federal Banking and Credit Union Agencies in "Medical Information" Rulemaking (May 28, 2004)
  
  
• FTC Revises FACT Act Rules (May 20, 2004)
  • 69 FR 29061 (05/20/04)
    
    
• FTC Announces New Complaint-referral Program (April 23, 2004)
  
  
• FTC Publishes Rule Prohibiting Circumvention of "Free Credit Report" Rule (February 18, 2004)
  • 69 FR 8532 (02/24/04)
  • Public Comments
    
    
• FTC and Federal Reserve Board Jointly Announce Effective Dates for FCRA Amendments (February 04, 2004)
  • Joint FTC/FRB/FDIC/NCUA/OCC/OTS Staff Letter (11/24/04)
  • 69 FR 6526 (02/11/04)
  • 68 FR 74467 (12/24/03)
  • 68 FR 74529 (12/24/03)
  • Joint FTC/FRB Staff Letter (12/23/03)
  • Public Comments

Special Highlights

• FTC Publishes Annual "Maximum Charge" Calculation (December 17, 2004)
  
  
• FTC Publishes New Brochure, “Your Access to Free Credit Reports” (November 23, 2004)
  
  
• Sprint, AT&T to Pay Nearly $1.5 Million in Combined Penalties for Violations of Federal Credit Laws (September 10, 2004)
  
  
• FTC Files Amicus Brief in Ashby v. Farmers Group (9th Cir, No. 04-35394) - interpretation of "adverse action" when consumer is offered insurance at less than optimal cost or terms, based on a consumer report (September 10, 2004)
  
  
• FTC Files Amicus Brief in Spano v. SAFECO Insurance Co. (9th Cir, No. 04-35313) - interpretation of "adverse action" when consumer is offered insurance at less than optimal cost or terms, based on a consumer report (August 6, 2004)
  
  
• Casinos to Pay $325,000 to Settle Charges of Failure to Notify Rejected Job Applicants of FCRA Rights (July 14, 2004)
  
  
• Debt Collector to Pay $1.5 million to Settle FTC Charges of Reporting Inaccurate Delinquency Dates to Credit Bureaus (May 13, 2004)
  
  
• FTC Files Amicus Brief in Cole v. U. S. Capital, Inc. (7th Cir, No. 03-3331) - interpretation of "firm offer of credit" to solicitation that offers no benefit to consumer, and of "clear and conspicuous" in context of disclosures made in tiny type at bottom of solicitation (April 23, 2004)
  
  
• FTC Files Amicus Brief in Willes v. State Farm Fire and Casualty Co (9th Cir, No. 03-35848) - interpretation of "adverse action" when consumer is offered insurance at less than optimal cost, based on a consumer report (February 24, 2004)
  
  
• FTC Files Amicus Brief in Rausch v. Hartford Financial Services Group (9th Cir, No. 03-35695) - interpretation of "adverse action" when consumer is offered insurance at less than optimal cost or terms, based on a consumer report (January 23, 2004)

Major Links

Last Updated: Monday, January 31, 2005