March 23, 2017
State Protections Versus the FCRA
The Fair Credit Reporting Act is similar to other federal privacy statutes in that they provide a standard of protections for consumers without going into the nitty-gritty of state-level legislation. Acting as a type of frame for state legislatures to build off of, the FCRA is what is called “partially preemptive,” which means that aside […]
March 13, 2017
What are Credit Reporting Agencies and What Do They Do?
Credit reporting is subject to regulation because of the sensitive nature of the information being exchanged. The results of credit reports put individuals at risk of losing opportunities in the form of loans and job offers, and even housing. The Fair Credit Reporting Act exists to both preserve the right to vet prospects before […]