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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California Amends Requirements for Debt Collectors Responding to Consumer Claims of Identity Theft

21 September 2016

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Judge Decides Sanctions Now Not Warranted in “Fanciful, Farfetched” FCRA Case

24 August 2016

CFPB Files Amicus Brief in Ninth Circuit in Remanded Article III Standing Case

20 July 2016

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11th Cir. Holds FCRA ‘Reasonable Investigation’ May Require Assignee to Examine Account-Level Documents

20 July 2016

CFPB Issues Supervisory Highlights Report, Includes Warnings for Creditors, Debt Buyers, Collection Agencies, and Law Firms

5 July 2016

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Plaintiff Counsel Threatened With Sanctions Responds to Judge in Experian "Meaningful Review" Credit Dispute Case

30 June 2016

NJ District Court Slams Consumer Attorney for FCRA Suit Filed without “Meaningful Review or Investigation”

22 June 2016

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New Credit Bureau Reporting Requirements for Debt Collection Agencies and Debt Buyers Become Effective This Week

13 June 2016

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

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

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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