Credit Reports Policy Analysis Archive

Transition Memo from Community Legal Services, NCLC, and others to FTC on Background Screening Agencies, December 2008

Letter opposing H.R. 2885, Credit Monitoring Clarification Act, May 2008

Credit Scoring and Insurance: Costing Consumers Billions and Perpetuating the Economic Racial Divide, 2007

Comments on Proposed Guidelines and Rule re: Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies under FACTA Section 312, February 12, 2008

Comments regarding FACTA Interim Final Rule Prohibiting Circumvention, Project No. P044804, April 2004

NCLC Analysis of the Fair and Accurate Credit Transactions Act of 2003, Pub. L. No. 108-159, 2003

Consumers Union analysis of the scope and limits of the preemption provisions under the FACTA, with examples of the many types of state laws that can still be enacted and enforced.