{"description":"Documents matching 'rental housing fee' and from Federal Trade Commission","count":13,"total_pages":1,"results":[{"title":"Rule on Unfair or Deceptive Rental Housing Fee Practices","type":"Proposed Rule","abstract":"The Federal Trade Commission (\"Commission\") proposes to commence a rulemaking proceeding to address unfair or deceptive acts or practices relating to advertised rent and other fees and charges in the rental housing industry. To assist the Commission in determining the existence and prevalence of any such potentially unfair or deceptive practices and exploring ways to address them, the Commission is soliciting written comment, including data and argument, concerning such fees and charges throughout a lease lifecycle, from application to move out. The Commission is soliciting such public comment to determine the need for a rule to prevent persons, entities, and organizations from engaging in unfair or deceptive practices in connection with rental housing fees and charges, such as advertising rent that fails to include all mandatory fees or charges, imposing fees and charges without express informed consent, and misleading consumers about the nature and purpose of fees or charges.","document_number":"2026-04907","html_url":"https://www.federalregister.gov/documents/2026/03/13/2026-04907/rule-on-unfair-or-deceptive-rental-housing-fee-practices","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-03-13/pdf/2026-04907.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-04907.pdf?1773319509","publication_date":"2026-03-13","agencies":[{"raw_name":"FEDERAL TRADE COMMISSION","name":"Federal Trade Commission","id":192,"url":"https://www.federalregister.gov/agencies/federal-trade-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/192","parent_id":null,"slug":"federal-trade-commission"}],"excerpts":"and go by many different names—lifestyle fees, amenity fees, maintenance fees, common area maintenance fees, pest control fees, parking fees, technology fees, smart home fees, trash collection fees, repair fees, administrative fees, utilities-related fees, air filter delivery fees, move-in fees, community fees, renters' insurance fees, payment processing fees, convenience fees, January fees, roommate fees, guest fees, high risk fees, mail sorting fees, fees to rent month-to-month instead of on an annual basis—to name just a few.\n 9 \n \n Indeed, a 2025"},{"title":"Trade Regulation Rule on Unfair or Deceptive Fees","type":"Rule","abstract":"The Federal Trade Commission (\"FTC\" or \"Commission\") is issuing a final trade regulation rule entitled \"Rule on Unfair or Deceptive Fees\" (\"rule\" or \"final rule\") and Statement of Basis and Purpose addressing certain unfair or deceptive practices involving fees or charges for live-event tickets and short-term lodging: bait- and-switch pricing that hides the total price by omitting mandatory fees and charges from advertised prices; and misrepresenting the nature, purpose, amount, and refundability of fees or charges. The final rule specifies that it is an unfair and deceptive practice for businesses to offer, display, or advertise any price of live-event tickets or short-term lodging without clearly, conspicuously and prominently disclosing the total price. The rule also requires businesses to clearly and conspicuously make certain disclosures before a consumer consents to pay. The rule further specifies that it is an unfair and deceptive practice for businesses to misrepresent any fee or charge in any offer, display, or advertisement for live-event tickets or short-term lodging.","document_number":"2024-30293","html_url":"https://www.federalregister.gov/documents/2025/01/10/2024-30293/trade-regulation-rule-on-unfair-or-deceptive-fees","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-01-10/pdf/2024-30293.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-30293.pdf?1736343916","publication_date":"2025-01-10","agencies":[{"raw_name":"FEDERAL TRADE COMMISSION","name":"Federal Trade Commission","id":192,"url":"https://www.federalregister.gov/agencies/federal-trade-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/192","parent_id":null,"slug":"federal-trade-commission"}],"excerpts":"in residential leasing, payday lending, internet applications, online shopping, automobile rentals, carpet cleaners, dietary supplement sellers, moving companies, gyms, travel companies, outlet stores, and online auctions.\n \n \n \n \n 77 \n \n Id. \n (The Attorneys General highlighted actions each has taken in their own states to address financial services fees, hotel fees, live-event ticket fees, rental housing fees, auto rental fees, and telecommunication fees.)\n \n \n \n \n 78 \n \n Id. \n \n \n \n \n 79 \n \n Id. \n \n \n \n \n 80 \n N.Y. Arts & Cult. Aff. Law"},{"title":"Agency Information Collection Activities; Proposed Collection; Comment Request","type":"Notice","abstract":"The FTC is soliciting public comments on proposed information requests to large-scale Single-Family Rental (SFR) owner operators, known as mega investors. Mega SFR investors are those entities that own over 1,000 single-family rental properties. These comments will be considered before the FTC submits a request for Office of Management and Budget (OMB) review of the compulsory process orders described in this notice under the Paperwork Reduction Act (PRA). The compulsory process orders will seek information from those firms concerning their corporate structure, current and historical housing inventory information, as well as strategic business plans and other investor information regarding growth plans, competition, prices, and expenses.","document_number":"2025-01657","html_url":"https://www.federalregister.gov/documents/2025/01/24/2025-01657/agency-information-collection-activities-proposed-collection-comment-request","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-01-24/pdf/2025-01657.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-01657.pdf?1737639909","publication_date":"2025-01-24","agencies":[{"raw_name":"FEDERAL TRADE COMMISSION","name":"Federal Trade Commission","id":192,"url":"https://www.federalregister.gov/agencies/federal-trade-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/192","parent_id":null,"slug":"federal-trade-commission"}],"excerpts":"single-family rental (SFR) housing operators are having on competition in the housing market, including on housing prices. Divorced from context, this study is a good idea. The effects of large SFRs on housing prices have been the subject of bipartisan concern,\n 2 \n \n and of substantial public outcry.\n 3 \n \n Many Americans are justly concerned that their rent is too damn high.\n 4 \n \n The Commission has an obligation to Congress and the American people to determine whether rising housing prices are the result of weak competition in relevant housing markets"},{"title":"Trade Regulation Rule on Unfair or Deceptive Fees","type":"Proposed Rule","abstract":"The Federal Trade Commission (\"FTC\" or \"Commission\") recently published a notice of proposed rulemaking (\"NPRM\") in the Federal Register, titled \"Rule on Unfair or Deceptive Fees,\" which would prohibit unfair or deceptive practices relating to fees for goods or services, specifically, misrepresenting the total costs of goods and services by omitting mandatory fees from advertised prices and misrepresenting the nature and purpose of fees. The NPRM announced the opportunity for interested parties to present their positions orally at an informal hearing. Seventeen commenters requested to participate at the informal hearing. The Commission's Chief Presiding Officer, the Chair, has appointed an Administrative Law Judge for the Federal Trade Commission, the Honorable Jay L. Himes to serve as the presiding officer of the informal hearing.","document_number":"2024-06468","html_url":"https://www.federalregister.gov/documents/2024/03/27/2024-06468/trade-regulation-rule-on-unfair-or-deceptive-fees","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-03-27/pdf/2024-06468.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-06468.pdf?1711457122","publication_date":"2024-03-27","agencies":[{"raw_name":"FEDERAL TRADE COMMISSION","name":"Federal Trade Commission","id":192,"url":"https://www.federalregister.gov/agencies/federal-trade-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/192","parent_id":null,"slug":"federal-trade-commission"}],"excerpts":"coalition of 39 housing justice advocacy organizations submitted by the National Housing Law Project (“NHLP”) \n 18 \n \n \n \n \n 18 \n The comment was submitted on behalf of 39 “organizations engaged in housing justice advocacy” including the National Housing Law Project, whose “mission is to advance housing justice for people living in poverty and their communities” and the Housing Justice Network, which is a “field network of over 2,000 community-level housing advocates and resident leaders . . . committed to protecting affordable housing and residents'"},{"title":"Trade Regulation Rule on Unfair or Deceptive Fees","type":"Proposed Rule","abstract":"The Federal Trade Commission commences a rulemaking to promulgate a trade regulation rule entitled \"Rule on Unfair or Deceptive Fees,\" which would prohibit unfair or deceptive practices relating to fees for goods or services, specifically, misrepresenting the total costs of goods and services by omitting mandatory fees from advertised prices and misrepresenting the nature and purpose of fees. The Commission finds these unfair or deceptive practices relating to fees to be prevalent based on prior enforcement, the comments it received in response to an advance notice of proposed rulemaking, and other information discussed in this proposal. The Commission now solicits written comment, data, and arguments concerning the utility and scope of the trade regulation rule proposed in this notice of proposed rulemaking to prevent the identified unfair or deceptive practices.","document_number":"2023-24234","html_url":"https://www.federalregister.gov/documents/2023/11/09/2023-24234/trade-regulation-rule-on-unfair-or-deceptive-fees","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2023-11-09/pdf/2023-24234.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2023-24234.pdf?1699451123","publication_date":"2023-11-09","agencies":[{"raw_name":"FEDERAL TRADE COMMISSION","name":"Federal Trade Commission","id":192,"url":"https://www.federalregister.gov/agencies/federal-trade-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/192","parent_id":null,"slug":"federal-trade-commission"}],"excerpts":"there are ancillary fees, convenience charges, special handling charges, resort fees, extended warranty charges, restocking fees, waste disposal fees, entry fees, exit fees, toll charges, health mandate fees, CRV fees, upgrade fees, downgrade fees, overweight baggage fees, extra baggage fees, additional BBQ sauce fees, monthly service fees if your balance falls below $xxx, overdraft fees, mystery gasoline tax for winter blends and/or summer blends, to-go bag and container fees, delivery fees, etc.”); FTC-2022-0069-0688 (“These fees in various forms"},{"title":"Combating Auto Retail Scams Trade Regulation Rule","type":"Rule","abstract":"The Federal Trade Commission (\"FTC\" or \"Commission\") is issuing this Combating Auto Retail Scams Trade Regulation Rule (\"CARS Rule,\" \"Rule,\" or \"Final Rule\") and Statement of Basis and Purpose (\"SBP\") related to the sale, financing, and leasing of covered motor vehicles by covered motor vehicle dealers. The Final Rule, among other things, prohibits motor vehicle dealers from making certain misrepresentations in the course of selling, leasing, or arranging financing for motor vehicles, requires accurate pricing disclosures in dealers' advertising and sales communications, requires dealers to obtain consumers' express, informed consent for charges, prohibits the sale of any add-on product or service that confers no benefit to the consumer, and requires dealers to keep records of certain advertisements and customer transactions.","document_number":"2023-27997","html_url":"https://www.federalregister.gov/documents/2024/01/04/2023-27997/combating-auto-retail-scams-trade-regulation-rule","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-01-04/pdf/2023-27997.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2023-27997.pdf?1703771113","publication_date":"2024-01-04","agencies":[{"raw_name":"FEDERAL TRADE COMMISSION","name":"Federal Trade Commission","id":192,"url":"https://www.federalregister.gov/agencies/federal-trade-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/192","parent_id":null,"slug":"federal-trade-commission"}],"excerpts":"dealer document fee and not represent that the fee is required by the State, or that they allow dealers, with certain limitations, to incorporate rebates into an advertised price. Regarding document fees, dealers can simultaneously comply with part 463, which requires document fees to be included in the offering price unless they are “required” government charges, and with State law that permits but does not require document fees to be excluded from a vehicle's advertised price, or that requires disclosure of the amount of the document fee and that such"},{"title":"Motor Vehicle Dealers Trade Regulation Rule","type":"Proposed Rule","abstract":"The Federal Trade Commission (\"FTC\" or \"Commission\") seeks comment on this notice of proposed rulemaking (\"NPRM\") related to the sale, financing, and leasing of motor vehicles by motor vehicle dealers. The proposed rule would prohibit motor vehicle dealers from making certain misrepresentations in the course of selling, leasing, or arranging financing for motor vehicles, require accurate pricing disclosures in dealers' advertising and sales discussions, require dealers to obtain consumers' express, informed consent for charges, prohibit the sale of any add-on product or service that confers no benefit to the consumer, and require dealers to keep records of advertisements and customer transactions. This NPRM invites written comments on all issues raised herein and seeks answers to the specific questions set forth in Section VIII of this document.","document_number":"2022-14214","html_url":"https://www.federalregister.gov/documents/2022/07/13/2022-14214/motor-vehicle-dealers-trade-regulation-rule","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2022-07-13/pdf/2022-14214.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2022-14214.pdf?1657629914","publication_date":"2022-07-13","agencies":[{"raw_name":"FEDERAL TRADE COMMISSION","name":"Federal Trade Commission","id":192,"url":"https://www.federalregister.gov/agencies/federal-trade-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/192","parent_id":null,"slug":"federal-trade-commission"}],"excerpts":"additional fees dealer later tacked onto the price, resulting in higher sales prices than advertised); \n see also \n Press Release, State of Alaska, \n Dep't of Law State Settles Consumer Protection Case with Lithia Auto Dealers \n (Dec. 1, 2006), \n http://www.law.alaska.gov/press/releases/2006/120106-Lithia.html \n (announcing settlement with dealerships for charging “doc prep fees ” not included in the advertised price of the vehicle, and noting such fees are “nothing more than dealer profit” and “consumers often confuse” them with governmental fees).\n "},{"title":"Mortgage Assistance Relief Services","type":"Rule","abstract":"Pursuant to the 2009 Omnibus Appropriations Act (Omnibus Appropriations Act), as clarified by the Credit Card Accountability Responsibility and Disclosure Act of 2009 (Credit CARD Act), the Commission issues a Final Rule and Statement of Basis and Purpose (SBP) concerning the practices of for-profit companies that, in exchange for a fee, offer to work on behalf of consumers to help them obtain modifications to the terms of mortgage loans or to avoid foreclosure on those loans. The Final Rule, among other things, would: prohibit providers of such mortgage assistance relief services from making false or misleading claims; mandate that providers disclose certain information about these services; bar the collection of advance fees for these services; prohibit anyone from providing substantial assistance or support to another they know or consciously avoid knowing is engaged in a violation of the Rule; and impose recordkeeping and compliance requirements.","document_number":"2010-29694","html_url":"https://www.federalregister.gov/documents/2010/12/01/2010-29694/mortgage-assistance-relief-services","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2010-12-01/pdf/2010-29694.pdf","public_inspection_pdf_url":null,"publication_date":"2010-12-01","agencies":[{"raw_name":"FEDERAL TRADE COMMISSION","name":"Federal Trade Commission","id":192,"url":"https://www.federalregister.gov/agencies/federal-trade-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/192","parent_id":null,"slug":"federal-trade-commission"}],"excerpts":"(noting that MARS typically charge a fee of thousands of dollars); Dargon at 2 (“We charge $2,500 as a flat fee” in advance.); CRC (ANPR) at 2 (“The average fee that we are seeing borrowers charged is $3,000; we have seen fees as high as $9,500. In nearly every instance, these fees are charged up front, before any services have been rendered.”); NCRC (ANPR) at 3 (noting that “[t]ypically, loan modification companies request a significant fee upfront” and that a study performed by NCRC “documented a median fee of $2,900,” although “[f]ees ranged as"},{"title":"MORTGAGE ASSISTANCE RELIEF SERVICES","type":"Proposed Rule","abstract":"Pursuant to the 2009 Omnibus Appropriations Act (Omnibus Appropriations Act), which was later clarified by the Credit Card Accountability and Responsibility and Disclosure Act of 2009 (Credit CARD Act), the Commission issues a Notice of Proposed Rulemaking (NPRM) concerning the practices of for-profit companies that, in exchange for a fee, offer to work with lenders and servicers on behalf of consumers to modify the terms of mortgage loans or to avoid foreclosure on those loans. The proposed Rule published for comment, among other things, would: prohibit providers of these services from making false or misleading claims; mandate that providers disclose certain information about these services; bar the collection of advance fees for these services; prohibit persons from providing substantial assistance or support to an entity they know or consciously avoid knowing is engaged in a violation of these Rules; and impose recordkeeping and compliance requirements.","document_number":"2010-4651","html_url":"https://www.federalregister.gov/documents/2010/03/09/2010-4651/mortgage-assistance-relief-services","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2010-03-09/pdf/2010-4651.pdf","public_inspection_pdf_url":null,"publication_date":"2010-03-09","agencies":[{"raw_name":"FEDERAL TRADE COMMISSION","name":"Federal Trade Commission","id":192,"url":"https://www.federalregister.gov/agencies/federal-trade-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/192","parent_id":null,"slug":"federal-trade-commission"}],"excerpts":"limited initial fee or set-up fee at the beginning of MARS being provided? Would this provide sufficient protection for consumers? Why or why not? Do providers currently use this payment model in the MARS industry and, if so, how much do they collect upfront from consumers and in total? For what purposes do providers use such fees? What has been the experience of states that have limited the amount of the initial fee or set-up fee providers may charge consumers? If providers were permitted to collect an initial or set-up fee, what fees should be limited"},{"title":"Fair Credit Reporting Risk-Based Pricing Regulations","type":"Rule","abstract":"The Board and the Commission are jointly issuing final rules to implement the risk-based pricing provisions in section 311 of the Fair and Accurate Credit Transactions Act of 2003 (FACT Act), which amends the Fair Credit Reporting Act (FCRA). The final rules generally require a creditor to provide a risk-based pricing notice to a consumer when the creditor uses a consumer report to grant or extend credit to the consumer on material terms that are materially less favorable than the most favorable terms available to a substantial proportion of consumers from or through that creditor. The final rules also provide for two alternative means by which creditors can determine when they are offering credit on material terms that are materially less favorable. The final rules also include certain exceptions to the general rule, including exceptions for creditors that provide a consumer with a disclosure of the consumer's credit score in conjunction with additional information that provides context for the credit score disclosure.","document_number":"E9-30678","html_url":"https://www.federalregister.gov/documents/2010/01/15/E9-30678/fair-credit-reporting-risk-based-pricing-regulations","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2010-01-15/pdf/E9-30678.pdf","public_inspection_pdf_url":null,"publication_date":"2010-01-15","agencies":[{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"},{"raw_name":"FEDERAL TRADE COMMISSION","name":"Federal Trade Commission","id":192,"url":"https://www.federalregister.gov/agencies/federal-trade-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/192","parent_id":null,"slug":"federal-trade-commission"}],"excerpts":"rule in instances where the presumption is incorrect. The Agencies continue to believe the assumption regarding consumers without credit scores is appropriate. Initiatives undertaken to promote the use of non-traditional data, such as utility, telecommunications, and rental housing data, in consumer reports and credit scoring support the Agencies' belief that consumers who lack credit scores may have greater difficulty obtaining credit, or obtaining credit on the most favorable terms available. Although there may be isolated cases where a consumer"},{"title":"Privacy Act of 1974; System of Records Notices","type":"Notice","abstract":"The FTC is revising the notices that it is required to publish under the Privacy Act of 1974 to describe its systems of records about individuals. This action is intended to make these notices clearer, more accurate, and up-to-date. This document also consolidates all of the notices into a single publication for ease of use and reference. This consolidation and revision is designed to promote better public understanding of how and when the FTC collects and uses information about individuals.","document_number":"E8-13111","html_url":"https://www.federalregister.gov/documents/2008/06/12/E8-13111/privacy-act-of-1974-system-of-records-notices","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2008-06-12/pdf/E8-13111.pdf","public_inspection_pdf_url":null,"publication_date":"2008-06-12","agencies":[{"raw_name":"FEDERAL TRADE COMMISSION","name":"Federal Trade Commission","id":192,"url":"https://www.federalregister.gov/agencies/federal-trade-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/192","parent_id":null,"slug":"federal-trade-commission"}],"excerpts":"information collected from telemarketers, sellers, or agents who are required to comply with the list, but only to the extent, if any, that such telemarketers, sellers, or agents are also “individuals” within the meaning of the Privacy Act. The revised SORN clarifies that user fee payment data are collected from these telemarketers, sellers, or agents by the Treasury Department’s Financial Management Service (FMS) through its \n www.pay.gov \n system, and that such data are also covered by the applicable system notice published by Treasury/FMS for that"},{"title":"Fair Credit Reporting Risk-Based Pricing Regulations","type":"Proposed Rule","abstract":"The Board and the Commission are publishing for comment proposed rules to implement the risk-based pricing provisions in section 311 of the Fair and Accurate Credit Transactions Act of 2003 (FACT Act), which amends the Fair Credit Reporting Act (FCRA). The proposed rules generally require a creditor to provide a risk-based pricing notice to a consumer when the creditor uses a consumer report to grant or extend credit to the consumer on material terms that are materially less favorable than the most favorable terms available to a substantial proportion of consumers from or through that creditor. The proposed rules also provide for two alternative means by which creditors can determine when they are offering credit on material terms that are materially less favorable. The proposed rules also include certain exceptions to the general rule, including exceptions for creditors that provide a consumer with a disclosure of the consumer's credit score in conjunction with additional information that provides context for the credit score disclosure.","document_number":"E8-10640","html_url":"https://www.federalregister.gov/documents/2008/05/19/E8-10640/fair-credit-reporting-risk-based-pricing-regulations","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2008-05-19/pdf/E8-10640.pdf","public_inspection_pdf_url":null,"publication_date":"2008-05-19","agencies":[{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"},{"raw_name":"FEDERAL TRADE COMMISSION","name":"Federal Trade Commission","id":192,"url":"https://www.federalregister.gov/agencies/federal-trade-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/192","parent_id":null,"slug":"federal-trade-commission"}],"excerpts":"including consumer groups, consumer reporting agencies, and a variety of different types of creditors, including large banks, small community banks, credit card issuers, mortgage bankers, auto finance companies, automobile dealers, private student loan creditors, manufactured housing lenders, and industry trade associations. This outreach provided the Agencies with valuable information about how risk-based pricing is conducted in various sectors of the consumer credit market. In addition, the Agencies sought feedback from outreach participants on a number"},{"title":"Interagency Advance Notice of Proposed Rulemaking: Procedures to Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Under Section 312 of the Fair and Accurate Credit Transactions Act","type":"Proposed Rule","abstract":"The OCC, Board, FDIC, OTS, NCUA, and FTC (the Agencies) request comment to gather information useful for developing the guidelines and regulations required by section 312 of the Fair and Accurate Credit Transactions Act (FACT Act). Pursuant to section 312, the Agencies, acting in consultation and coordination, must: Establish guidelines for use by persons that furnish information to consumer reporting agencies (furnishers) regarding the accuracy and integrity of the consumer information that they furnish to those agencies; and prescribe regulations that require furnishers to establish reasonable policies and procedures for implementing the guidelines. Section 312 also requires the Agencies jointly to prescribe regulations that identify the circumstances under which a furnisher shall be required to reinvestigate a dispute concerning the accuracy of information contained in a consumer report on a consumer based on a direct request of the consumer.","document_number":"06-2758","html_url":"https://www.federalregister.gov/documents/2006/03/22/06-2758/interagency-advance-notice-of-proposed-rulemaking-procedures-to-enhance-the-accuracy-and-integrity","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2006-03-22/pdf/06-2758.pdf","public_inspection_pdf_url":null,"publication_date":"2006-03-22","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"},{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"},{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"},{"raw_name":"Office of Thrift Supervision","name":"Thrift Supervision Office","id":489,"url":"https://www.federalregister.gov/agencies/thrift-supervision-office","json_url":"https://www.federalregister.gov/api/v1/agencies/489","parent_id":497,"slug":"thrift-supervision-office"},{"raw_name":"NATIONAL CREDIT UNION ADMINISTRATION","name":"National Credit Union Administration","id":335,"url":"https://www.federalregister.gov/agencies/national-credit-union-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/335","parent_id":null,"slug":"national-credit-union-administration"},{"raw_name":"FEDERAL TRADE COMMISSION","name":"Federal Trade Commission","id":192,"url":"https://www.federalregister.gov/agencies/federal-trade-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/192","parent_id":null,"slug":"federal-trade-commission"}],"excerpts":"resellers that buy consumer reports to sell to other users. \n Consumer reporting agencies maintain databases that contain detailed information about consumers' transactions. This information is widely used to determine consumers' eligibility for credit, employment, insurance, rental housing, and other products and services, as well as the terms on which credit, insurance, and other products and services may be offered. In addition to these general purpose consumer reporting agencies, there are consumer reporting agencies that collect and maintain data pertaining"}]}