Fair Credit Reporting Act
2003 Amendments

• Full Text of Legislation (5 MB)
• 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.
• NCLC Fair Credit Reporting Manual (2002 Fifth Edition and 2003 Supplement with CD-Rom)