Fair Finanical Information Practices Act: hearings before the Subcommittee on Consumer Affairs of the Committee on Banking, Housing, and Urban Affairs, United States Senate, Ninety-sixth Congress, second session, on S. 1928 ...U.S. Government Printing Office, 1980 |
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accuracy action actual damages adverse credit decision adverse decision amendments American Express Bank of America BankAmericard bill collection companies compliance concerning consumer credit consumer reporting agency consumer's right copy correct costs court credit bureau credit card credit grantors credit industry Credit Information Practices Credit Opportunity Act Credit Reporting Act credit reporting agencies credit scoring creditor customers defendant disclose disclosure dispute ECOA employees employment Equal Credit Opportunity expectation of confidentiality Fair Credit Information Fair Credit Reporting FCRA Federal Reserve Board Federal Trade Commission Federated Department Stores furnished GELLER imposed independent authorization service individual Information Practices Act institutions investigative consumer report issue legislation limited mailing medical information notice notify obtain permissible purpose plaintiff prescreening pursuant reasonable procedures records regulation reinvestigation request Section Senator TSONGAS specific statement statute subscriber Subsection sumer telephone tion Title violation
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1216. lappuse - ... (D) intends to use the information in connection with a determination of the consumer's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant's financial responsibility or status; or (E) otherwise has a legitimate business need for the information in connection with a business transaction involving the consumer.
265. lappuse - consumer credit report" means any written, oral or other communication of any information by a consumer reporting agency bearing on a consumer's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics or mode of living...
456. lappuse - Includes a corporation, government or governmental subdivision or agency, business trust, estate, trust, partnership or association, two or more persons having a joint or common Interest, or any other legal or commercial entity. (29) "Party", as distinct from "third party", means a person who has engaged in a transaction or made an agreement within this act. (30) "Person...
252. lappuse - consumer report' means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer's eligibility for (1...
464. lappuse - Any consumer reporting agency or user of information which is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of "(1) any actual damages sustained by the consumer as a result of the failure; "(2) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney's fees as determined by the court.
457. lappuse - consumer reporting agency" means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to 240 http://www.
464. lappuse - ... (c) No person may be held liable for any violation of subsection (a) or (b) of this section if he shows by a preponderance of the evidence that at the time of the violation he maintained reasonable procedures to assure compliance with subsection (a) or (b).
1388. lappuse - Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined not more than $5,000 or imprisoned not more than one year, or both.
137. lappuse - Nothing in this title shall preclude any financial institution, or any officer, employee, or agent of a financial institution, from notifying a Government authority that such institution, or officer, employee, or agent has information which may be relevant to a possible violation of any statute or regulation.
658. lappuse - Except as provided in subsections (b) and (c), this title does not annul, alter, affect, or exempt any person subject to the provisions of this title from complying with the laws of any State with respect to the collection, distribution, or use of any information on consumers, except to the extent that those laws are inconsistent with any provision of this title, and then only to the extent of the inconsistency.