Originally passed in 1970, The Fair Credit Reporting Act (FCRA) is a U.S. federal law that regulates the collection, dissemination, and use of consumer credit information. Along with the Fair Debt Collection Practices Act (FDCPA), it forms the base of consumer credit rights in the United States. The FCRA is enforced by the FTC. Information furnishers – such as creditors, collection agencies, and debt buyers – can supply information to a consumer’s credit report only if they 1) supply complete and accurate information, 2) have procedures in place to investigate disputes from consumers, and 3) inform a consumer if negative information is to be placed on their credit report.

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FTC Warns Industry to Have Robust Credit Reporting Policies and Procedures

19 May 2016


How Spokeo May Limit Consumer Financial Services Litigation

18 May 2016


Spokeo v. Robins - Supreme Court Limits Consumer Right of Action in Fair Credit Reporting Act Case

17 May 2016

Credit Protection Association Pays $72k, Adopts New Policies over FCRA Violations

10 May 2016

CFPB Targets ARM Industry -- Which Practices Should Your Company Avoid?

22 April 2016

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The FTC’s Big Data Report – How it Applies to You!

20 April 2016

Major Credit Bureaus Issue Furnisher Data Reporting Process Changes

11 March 2016


Credit Reporting, Overdraft Issues and the Remittance Rule Dominate the CFPB's 2016 Winter Supervisory Highlights

11 March 2016

CFPB Winter 2016 Supervisory Highlights Identifies a "Beneficial" Practice

9 March 2016

Senators Introduce Medical Debt Relief Act to Address Medical Debt on Credit Reports

1 March 2016

Supreme Court Vacancy Leaves Spokeo Outcome Even More Uncertain

23 February 2016

CFPB Issues Compliance Bulletin on FCRA

8 February 2016

CFPB Announces Settlement with Massachusetts Collection Agency

8 December 2015

Consumer Litigation "Continues to Evolve in Lurches": Your October Debt Collection Stats

13 November 2015

Big Mistake! Three Compliance Risks Collectors Overlook

12 November 2015

Will You Know A “Dispute” When You See It?

10 November 2015

Could Spokeo Mean Rough Road Ahead for FCRA, TCPA, FDCPA Plaintiffs?

4 November 2015

CFPB Issues Ninth Supervisory Highlights Report

4 November 2015

Sprint to Pay $2.95 Million Penalty to Settle FTC Charges It Violated Fair Credit Reporting Act

22 October 2015

Three Reasons Your Agency Needs to Be Focused on Disparate Impact

14 October 2015