CFPB Takes Aim at Misleading, Incomplete, and Old Information in Background Check Reports
New guidance addresses inaccurate background check reports and sloppy practices in providing workers and renters with copies of their reports.
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Advocates Support CFPB Commitment to Closing Accountability Loopholes for Data Brokers Selling Dossiers on Americans in Secret
CFPB to use its rulemaking authority under the Fair Credit Reporting Act to address rampant harm caused by data brokers.
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Digital Library: Data Gatherers Evading the FCRA May Find Themselves Still in Hot Water
Three 2019 decisions from Second, Seventh, and Ninth Circuits, discussed below, have allowed companies that share data on consumers to evade Fair Credit Reporting Act (FCRA) requirements. This article points out that these firms should be careful what they wish for. Consumers may still be in a position to sue them even if they are…
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CFPB Issues Three FCRA Interpretations with Widespread Implications
This article examines practice implications of three recent CFPB interpretations of the Fair Credit Reporting Act, including: tenant and background screening companies’ use of name-only matching violates the FCRA; users are strictly liable for permissible use violations; and state law can limit when medical debt, evictions, rental arrears, and criminal records can first be reported.
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