FAIR CREDIT REPORTING ACT

Amendments

Credit: prevent identity theft, improve use of and access to consumer reports, limit sharing of certain consumer information, and improve financial education and literacy (S. 1753), S13876, S13877, S13878, S13879, S13884, S13885, S13886, S13889, S13912, S13923, S13924, S13925, S13926, S13927, S13942 [4NO]

Appointments

Conferees: H.R. 2622, National Consumer Credit Reporting System Improvement Act, S13994 [5NO]

Bills and resolutions

Consumers: exempt certain communications from the definition of consumer reports (see H.R. 1543), H2585 [1AP]

———require consumer reporting agencies to notify consumers when negative information is added to their file (see H.R. 1729), H3301 [10AP]

Credit: allow any consumer to receive a free credit report annually from any consumer reporting agency (see H.R. 2546), H5662 [19JN]

———prevent identity theft, improve use of and access to consumer reports, limit sharing of certain consumer information, and improve financial education and literacy (see S. 1753), S12838 [17OC]

———provide for disclosure of credit-scoring information by creditors and consumer reporting agencies (see S. 1370), S9049 [8JY]

Credit cards: prohibit issuers from increasing a consumers interest rate based on credit information unrelated to transactions with the consumer (see H.R. 2724), H6706 [14JY]

Crime: establish methods for preventing identity theft and protect consumers' sensitive, private health-related information (see H.R. 2633), H6262 [26JN]

Financial institutions: notify customers of unauthorized use of personal information and include fraud alerts in consumer credit files (see S. 1633), S11648 [17SE] (see H.R. 3233), H9213 [2OC]

Insurance: provide for disclosures of credit-based insurance scoring information by insurers and credit reporting agencies (see H.R. 1473), H2470 [27MR]

Privacy: establish a national uniform privacy standard for financial institutions (see H.R. 1766), H3351 [11AP]

States: extend limitations on certain provisions of State law (see S. 660), S3993 [19MR]

Letters

Credit card issuers' prohibition from increasing a consumers interest rate based on credit information unrelated to transactions with the consumer: Alan Greenspan, FRS, H8155 [10SE]

Prevent affiliated companies from sharing personal customer information through creation of a national opt-out standard: Jackie Speier, California State Senate, S13861 [4NO], S13981 [5NO]

Lists

Organizations involved in California financial privacy legislation negotiations, H8149 [10SE]

Motions

Credit: prevent identity theft, improve use of and access to consumer reports, limit sharing of certain consumer information, and improve financial education and literacy (S. 1753), S13875, S13890 [4NO]

Remarks in House

Consumers: exempt certain communications from the definition of consumer reports, H8123 [10SE]

———identity theft national uniform standards, H8126, H8127 [10SE]

———sunset uniform national consumer protection standards, H8158-H8160 [10SE], E1775 [11SE]

Credit: allow any consumer to receive a free credit report annually from any national or regional consumer reporting agency, H8160-H8163 [10SE]

———allow consumers to require confirmation of identity before any new credit account is issued in their name, H8163 [10SE]

———prevent future State laws from preempting Federal regulations that allow any consumer to receive a free credit report annually from certain consumer reporting agencies, H8149-H8151 [10SE]

———require entities that furnish information to credit bureaus to reinvestigate any disputed information after the consumer has asked for reinvestigation that fails to resolve the dispute, H8151, H8152 [10SE], H10514, H10515 [6NO]

Credit cards: prohibit issuers from increasing a consumers interest rate based on credit information unrelated to transactions with the consumer, H8152-H8156 [10SE]

Crime: establish methods for preventing identity theft and protect consumers' sensitive, private health-related information (H.R. 2633), H7025 [17JY], E1381 [27JN]

Financial institutions: prevent Federal preemption of State financial privacy laws, H8131, H8141-H8149 [10SE]

Government: require all agencies requesting private credit information in the course of terrorism investigations to abide by certain privacy protections, H8160 [10SE]

Remarks in Senate

Consumers: prevent affiliated companies from sharing personal customer information through creation of a national opt-out standard, S13860-S13865, S13871, S13876 [4NO], S13980 [5NO], S14172 [6NO]

Credit: prevent identity theft, improve use of and access to consumer reports, limit sharing of certain consumer information, and improve financial education and literacy (S. 1753), S13848-S13866, S13868, S13870-S13891 [4NO], S13980 [5NO], S14172 [6NO]

———prevent identity theft, improve use of and access to consumer reports, limit sharing of certain consumer information, and improve financial education and literacy (S. 1753), unanimous-consent agreement, S13124 [23OC], S13419 [28OC]

Financial institutions: notify customers of unauthorized use of personal information and include fraud alerts in consumer credit files (S. 1633), S11724 [18SE]

Reports filed

National Consumer Credit Reporting System Improvement Act: Committee on Banking, Housing, and Urban Affairs (Senate) (S. 1753) (S. Rept. 108-166), S12837 [17OC]

Texts of

H.R. 2622, National Consumer Credit Reporting System Improvement Act, S13982-S13994 [5NO]

S. 1633, Identity Theft Notification and Credit Restoration Act, S11725 [18SE]