{"description":"Documents matching 'compliance such metro fcra standards reporting compliance'","count":13,"total_pages":1,"results":[{"title":"Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V)","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) is issuing a final rule amending Regulation V, which implements the Fair Credit Reporting Act (FCRA), concerning medical information. The FCRA prohibits creditors from considering medical information in credit eligibility determinations. The CFPB is removing a regulatory exception that had permitted creditors to obtain and use information on medical debts notwithstanding this statutory limitation. The final rule also provides that a consumer reporting agency generally may not furnish to a creditor a consumer report containing information on medical debt that the creditor is prohibited from using.","document_number":"2024-30824","html_url":"https://www.federalregister.gov/documents/2025/01/14/2024-30824/prohibition-on-creditors-and-consumer-reporting-agencies-concerning-medical-information-regulation-v","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-01-14/pdf/2024-30824.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-30824.pdf?1736775917","publication_date":"2025-01-14","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"third parties may obtain and use consumer <span class=\"match\">report</span> information from consumer <span class=\"match\">reporting</span> agencies. <span class=\"match\">FCRA</span> section 604(f) provides that a person shall not use or obtain a consumer <span class=\"match\">report</span> unless the consumer <span class=\"match\">report</span> is obtained for a purpose for which the consumer <span class=\"match\">report</span> is authorized to be furnished under <span class=\"match\">FCRA</span> section 604 and the purpose is certified in accordance with <span class=\"match\">FCRA</span> section 607 by a prospective user of the <span class=\"match\">report</span>.\n 97 \n \n \n \n \n 97 \n  15 U.S.C. 1681b(f).\n \n \n The <span class=\"match\">FCRA's</span> permissible purpose provisions are thus a key component to the statute's protection"},{"title":"Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V)","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) is seeking public comment on a proposed rule amending Regulation V, which implements the Fair Credit Reporting Act (FCRA), concerning medical information. The CFPB is proposing to remove a regulatory exception in Regulation V from the limitation in the FCRA on creditors obtaining or using information on medical debts for credit eligibility determinations. The proposed rule would also provide that a consumer reporting agency generally may not furnish to a creditor a consumer report containing information on medical debt that the creditor is prohibited from using.","document_number":"2024-13208","html_url":"https://www.federalregister.gov/documents/2024/06/18/2024-13208/prohibition-on-creditors-and-consumer-reporting-agencies-concerning-medical-information-regulation-v","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-06-18/pdf/2024-13208.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-13208.pdf?1718628315","publication_date":"2024-06-18","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"consumer <span class=\"match\">reporting</span> agencies, the <span class=\"match\">FCRA</span> limits the circumstances under which third parties may obtain and use consumer <span class=\"match\">report</span> information from consumer <span class=\"match\">reporting</span> agencies. <span class=\"match\">FCRA</span> section 604(f) provides that a person shall not use or obtain a consumer <span class=\"match\">report</span> unless the consumer <span class=\"match\">report</span> is obtained for a purpose for which the consumer <span class=\"match\">report</span> is authorized to be furnished under <span class=\"match\">FCRA</span> section 604 and the purpose is certified in accordance with <span class=\"match\">FCRA</span> section 607 by a prospective user of the <span class=\"match\">report</span>.\n 65 \n \n \n \n \n 65 \n  15 U.S.C. 1681b(f).\n \n \n The <span class=\"match\">FCRA's</span> permissible"},{"title":"Concept Release on Residential Mortgage-Backed Securities Disclosures and Enhancements to Asset-Backed Securities Registration","type":"Proposed Rule","abstract":"The Securities and Exchange Commission (\"Commission\") is publishing this concept release to solicit comments on whether to amend the asset-level disclosure requirements for residential mortgage-backed securities in Item 1125 of Regulation AB and whether to revise generally the definition of \"asset-backed security\" and/or other definitions in Item 1101 of Regulation AB. The Commission is considering these steps to expand issuer and investor access to the registered asset-backed securities markets and facilitate enhanced capital formation and liquidity while maintaining appropriate investor protections.","document_number":"2025-19152","html_url":"https://www.federalregister.gov/documents/2025/10/01/2025-19152/concept-release-on-residential-mortgage-backed-securities-disclosures-and-enhancements-to","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-10-01/pdf/2025-19152.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-19152.pdf?1759236316","publication_date":"2025-10-01","agencies":[{"raw_name":"SECURITIES AND EXCHANGE COMMISSION","name":"Securities and Exchange Commission","id":466,"url":"https://www.federalregister.gov/agencies/securities-and-exchange-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/466","parent_id":null,"slug":"securities-and-exchange-commission"}],"excerpts":"receivables, over the same period of time.\n \n \n \n 24 \n  For example, the Commission considered <span class=\"match\">standard</span> definitions of mortgage related terms and XML formats developed by the Mortgage Industry <span class=\"match\">Standards</span> Maintenance Organization (“MISMO”) (The MISMO <span class=\"match\">standards</span> have been mapped to the relevant data in Schedule AL, \n available at http://www.mismo.org/<span class=\"match\">standards</span>-and-resources/additional-tools-and-resources/document-mappings/schedule-al-reg-ab-ii-mapping \n ); information <span class=\"match\">reported</span> by sellers to the Federal National Mortgage Association (“Fannie Mae”) and the Federal"},{"title":"Inadmissibility on Public Charge Grounds","type":"Rule","abstract":"This final rule amends DHS regulations by prescribing how DHS will determine whether an alien applying for admission or adjustment of status is inadmissible to the United States under section 212(a)(4) of the Immigration and Nationality Act (INA or the Act), because he or she is likely at any time to become a public charge. The final rule includes definitions of certain terms critical to the public charge determination, such as \"public charge\" and \"public benefit,\" which are not defined in the statute, and explains the factors DHS will consider in the totality of the circumstances when making a public charge inadmissibility determination. The final rule also addresses USCIS' authority to issue public charge bonds under section 213 of the Act in the context of applications for adjustment of status. Finally, this rule includes a requirement that aliens seeking an extension of stay or change of status demonstrate that they have not, since obtaining the nonimmigrant status they seek to extend or change, received public benefits over the designated threshold, as defined in this rule. This rule does not create any penalty or disincentive for past, current, or future receipt of public benefits by U.S. citizens or aliens whom Congress has exempted from the public charge ground of inadmissibility. This rule does not apply to U.S. citizens, even if the U.S. citizen is related to an alien subject to the public charge ground of inadmissibility. The rule also does not apply to aliens whom Congress exempted from the public charge ground of inadmissibility (such as asylees, refugees, or other vulnerable populations listed as exempt in this final rule). Nor does this rule apply to aliens for whom DHS has statutory discretion to waive this ground of inadmissibility, if DHS has exercised such discretion. In addition, this includes special provisions for how DHS will consider the receipt of public benefits, as defined in this rule, by certain members of the U.S. Armed Forces and their families; certain international adoptees; and receipt of Medicaid in certain contexts, especially by aliens under the age of 21, pregnant women (and women for up to 60 days after giving birth), and for certain services funded by Medicaid under the Individuals with Disabilities Education Act (IDEA) or in a school setting. Aliens who might qualify for these exemptions should study the rule carefully to understand how the exemptions work. This final rule also clarifies that DHS will only consider public benefits received directly by the alien for the alien's own benefit, or where the alien is a listed beneficiary of the public benefit. DHS will not consider public benefits received on behalf of another. DHS also will not attribute receipt of a public benefit by one or more members of the alien's household to the alien unless the alien is also a listed beneficiary of the public benefit. This final rule supersedes the 1999 Interim Field Guidance on Deportability and Inadmissibility on Public Charge Grounds.","document_number":"2019-17142","html_url":"https://www.federalregister.gov/documents/2019/08/14/2019-17142/inadmissibility-on-public-charge-grounds","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2019-08-14/pdf/2019-17142.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2019-17142.pdf?1565613924","publication_date":"2019-08-14","agencies":[{"raw_name":"DEPARTMENT OF HOMELAND SECURITY","name":"Homeland Security Department","id":227,"url":"https://www.federalregister.gov/agencies/homeland-security-department","json_url":"https://www.federalregister.gov/api/v1/agencies/227","parent_id":null,"slug":"homeland-security-department"}],"excerpts":"Annual <span class=\"match\">Report</span> to Congress, at Foreword and Chapter II (1997), \n available at https://aspe.hhs.gov/<span class=\"match\">report</span>/indicators-welfare-dependence-annual-<span class=\"match\">report</span>-congress-1997 \n (last visited July 26. 2019). \n See also \n U.S. Dep't of Health &amp; Human Servs., Welfare Indicators and Risk Factors, at I-2 (2015), \n available at https://aspe.hhs.gov/<span class=\"match\">report</span>/welfare-indicators-and-risk-factors-fourteenth-<span class=\"match\">report</span>-congress \n (last visited July 26. 2019).\n \n \n \n \n 356 \n  \n See \n U.S. Dep't of Health &amp; Human Servs., Indicators of Welfare Dependence: Annual <span class=\"match\">Report</span> to"},{"title":"Payday, Vehicle Title, and Certain High-Cost Installment Loans","type":"Rule","abstract":"The Bureau of Consumer Financial Protection (Bureau or CFPB) is issuing this final rule establishing regulations creating consumer protections for certain consumer credit products and the official interpretations to the rule. First, the rule identifies it as an unfair and abusive practice for a lender to make covered short-term or longer- term balloon-payment loans, including payday and vehicle title loans, without reasonably determining that consumers have the ability to repay the loans according to their terms. The rule exempts certain loans from the underwriting criteria prescribed in the rule if they have specific consumer protections. Second, for the same set of loans along with certain other high-cost longer-term loans, the rule identifies it as an unfair and abusive practice to make attempts to withdraw payment from consumers' accounts after two consecutive payment attempts have failed, unless the consumer provides a new and specific authorization to do so. Finally, the rule prescribes notices to consumers before attempting to withdraw payments from their account, as well as processes and criteria for registration of information systems, for requirements to furnish and obtain information from them, and for compliance programs and record retention. The rule prohibits evasions and operates as a floor leaving State and local jurisdictions to adopt further regulatory measures (whether a usury limit or other protections) as appropriate to protect consumers.","document_number":"2017-21808","html_url":"https://www.federalregister.gov/documents/2017/11/17/2017-21808/payday-vehicle-title-and-certain-high-cost-installment-loans","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2017-11-17/pdf/2017-21808.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2017-21808.pdf?1510839938","publication_date":"2017-11-17","agencies":[{"raw_name":"BUREAU OF CONSUMER FINANCIAL PROTECTION","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"rate of 25 percent.\n 252 \n \n \n \n \n 251 \n  Nat'l Credit Union Admin., “5300 Call <span class=\"match\">Report</span> Aggregate Financial Performance <span class=\"match\">Reports</span> (FPRs),” (Dec. 2016), \n available at https://www.ncua.gov/analysis/Pages/call-<span class=\"match\">report</span>-data/aggregate-financial-performance-reports.aspx. \n \n \n \n \n 252 \n  Bureau staff estimates are based on NCUA Call <span class=\"match\">Report</span> data. Nat'l Credit Union Admin., “Credit Union and Corporate Call <span class=\"match\">Report</span> Data,” \n available at https://www.ncua.gov/analysis/Pages/call-<span class=\"match\">report</span>-data.aspx \n .\n \n \n C. Longer-Term, High-Cost Loans \n In addition to short-term"},{"title":"Payday, Vehicle Title, and Certain High-Cost Installment Loans","type":"Proposed Rule","abstract":"The Bureau of Consumer Financial Protection (Bureau or CFPB) is proposing to establish 12 CFR 1041, which would contain regulations creating consumer protections for certain consumer credit products. The proposed regulations would cover payday, vehicle title, and certain high-cost installment loans.","document_number":"2016-13490","html_url":"https://www.federalregister.gov/documents/2016/07/22/2016-13490/payday-vehicle-title-and-certain-high-cost-installment-loans","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2016-07-22/pdf/2016-13490.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2016-13490.pdf?1469105146","publication_date":"2016-07-22","agencies":[{"raw_name":"BUREAU OF CONSUMER FINANCIAL PROTECTION","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":" 270 \n  Experian &amp; Oliver Wyman, \n 2015 Q4 Market Intelligence <span class=\"match\">Report</span>: Personal Loans <span class=\"match\">Report</span>, \n at 11-13 figs. 9, 10, 12, &amp; 13 (2016), \n available at http://www.marketintelligencereports.com; \n Experian &amp; Oliver Wyman, \n 2015 Q3 Market Intelligence <span class=\"match\">Report</span>: Personal Loans <span class=\"match\">Report</span>, \n at 11-13 figs. 9, 10, 12 &amp; 13 (2015), \n available at http://www.marketintelligencereports.com; \n Experian &amp; Oliver Wyman, \n 2015 Q2 Market Intelligence <span class=\"match\">Report</span>: Personal Loans <span class=\"match\">Report</span>, \n at 11-13 figs. 9, 10, 12, &amp; 13 (2015), \n available at http://www"},{"title":"Asset-Backed Securities Disclosure and Registration","type":"Rule","abstract":"We are adopting significant revisions to Regulation AB and other rules governing the offering process, disclosure, and reporting for asset-backed securities (\"ABS\"). The final rules require that, with some exceptions, prospectuses for public offerings under the Securities Act of 1933 (\"Securities Act\") and ongoing reports under the Securities Exchange Act of 1934 (\"Exchange Act\") of asset-backed securities backed by real estate related assets, auto related assets, or backed by debt securities, including resecuritizations, contain specified asset-level information about each of the assets in the pool. The asset-level information is required to be provided according to specified standards and in a tagged data format using eXtensible Markup Language (\"XML\"). We also are adopting rules to revise filing deadlines for ABS offerings to provide investors with more time to consider transaction-specific information, including information about the pool assets. We are also adopting new registration forms tailored to ABS offerings. The final rules also repeal the credit ratings references in shelf eligibility criteria for ABS issuers and establish new shelf eligibility criteria.","document_number":"2014-21375","html_url":"https://www.federalregister.gov/documents/2014/09/24/2014-21375/asset-backed-securities-disclosure-and-registration","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2014-09-24/pdf/2014-21375.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2014-21375.pdf?1411476401","publication_date":"2014-09-24","agencies":[{"raw_name":"SECURITIES AND EXCHANGE COMMISSION","name":"Securities and Exchange Commission","id":466,"url":"https://www.federalregister.gov/agencies/securities-and-exchange-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/466","parent_id":null,"slug":"securities-and-exchange-commission"}],"excerpts":"\n VIII. Exchange Act <span class=\"match\">Reporting</span> \n A. Distribution <span class=\"match\">Reports</span> on Form 10-D \n 1. Delinquency Presentation \n (a) Proposed Rule \n (b) Comments on Proposed Rule \n (c) Final Rule and Economic Analysis of the Final Rule \n 2. Identifying Information and Cross-References to Previously <span class=\"match\">Reported</span> Information \n 3. Changes in Sponsor's Interest in the Securities \n (a) Proposed Rule \n (b) Comments on Proposed Rule \n (c) Final Rule and Economic Analysis of the Final Rule \n B. Annual <span class=\"match\">Report</span> on Form 10-K \n 1. Servicer's Assessment of <span class=\"match\">Compliance</span> With Servicing Criteria"},{"title":"Representation-Case Procedures","type":"Rule","abstract":"The National Labor Relations Board (the Board) has decided to issue this final rule for the purpose of carrying out the provisions of the National Labor Relations Act which \"protect[ ] the exercise by workers of full freedom of association, self-organization, and designation of representatives of their own choosing, for the purpose of negotiating the terms and conditions of their employment or other mutual aid or protection.\" While retaining the essentials of existing representation case procedures, these amendments remove unnecessary barriers to the fair and expeditious resolution of representation cases. They simplify representation-case procedures, codify best practices, and make them more transparent and uniform across regions. Duplicative and unnecessary litigation is eliminated. Unnecessary delay is reduced. Procedures for Board review are simplified. Rules about documents and communications are modernized in light of changing technology. In various ways, these amendments provide targeted solutions to discrete, specifically identified problems to enable the Board to better fulfill its duty to protect employees' rights by fairly, efficiently, and expeditiously resolving questions of representation.","document_number":"2014-28777","html_url":"https://www.federalregister.gov/documents/2014/12/15/2014-28777/representation-case-procedures","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2014-12-15/pdf/2014-28777.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2014-28777.pdf?1418392226","publication_date":"2014-12-15","agencies":[{"raw_name":"NATIONAL LABOR RELATIONS BOARD","name":"National Labor Relations Board","id":355,"url":"https://www.federalregister.gov/agencies/national-labor-relations-board","json_url":"https://www.federalregister.gov/api/v1/agencies/355","parent_id":null,"slug":"national-labor-relations-board"}],"excerpts":"nlrb.gov/<span class=\"match\">reports</span>-guidance/general-counsel-memos \n .\n \n \n \n \n 560 \n  General Counsel's Memorandum, GC-11-09, “<span class=\"match\">Report</span> on Midwinter ABA PP Committee,” 19 (March 16, 2011), \n www.nlrb.gov/<span class=\"match\">reports</span>-guidance/general-counsel-memos \n .\n \n \n \n \n 561 \n  NLRB Summaries of Operations, fiscal years 2007-2012, and Performance Accountability <span class=\"match\">Reports</span>, 2004-2013, \n www.nlrb.gov/<span class=\"match\">reports</span>-guidance/<span class=\"match\">reports</span> \n . See GC-11-09, \n supra \n note 25, at 18-19.\n \n \n \n \n 562 \n  NLRB Performance Accountability <span class=\"match\">Report</span>, fiscal year 2013, \n www.nlrb.gov/<span class=\"match\">reports</span>-guidance/<span class=\"match\">reports</span> \n .\n "},{"title":"Program Integrity: Gainful Employment","type":"Rule","abstract":"The Secretary amends regulations on institutional eligibility under the Higher Education Act of 1965, as amended (HEA), and the Student Assistance General Provisions to establish measures for determining whether certain postsecondary educational programs prepare students for gainful employment in a recognized occupation, and the conditions under which these educational programs remain eligible under the Federal Student Aid programs authorized under title IV of the HEA (title IV, HEA programs).","document_number":"2014-25594","html_url":"https://www.federalregister.gov/documents/2014/10/31/2014-25594/program-integrity-gainful-employment","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2014-10-31/pdf/2014-25594.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2014-25594.pdf?1414673273","publication_date":"2014-10-31","agencies":[{"raw_name":"DEPARTMENT OF EDUCATION","name":"Education Department","id":126,"url":"https://www.federalregister.gov/agencies/education-department","json_url":"https://www.federalregister.gov/api/v1/agencies/126","parent_id":null,"slug":"education-department"}],"excerpts":"the NPRM to a GAO <span class=\"match\">report</span> on the for-profit sector also demonstrates bias against for-profit institutions. Commenters asserted that the GAO investigation in particular contained errors and relied on false testimony, which required the GAO to correct and reissue its <span class=\"match\">report</span>.\n 9 \n \n Commenters said it was also inappropriate for the Department to rely on what the commenters called a “deeply flawed” partisan <span class=\"match\">report</span> by the Senate HELP committee majority staff, because the <span class=\"match\">report</span> partially relied on evidence presented in the GAO <span class=\"match\">report</span>, was actually issued"},{"title":"2012 Real Estate Settlement Procedures Act (Regulation X) Mortgage Servicing Proposal","type":"Proposed Rule","abstract":"The Bureau of Consumer Financial Protection (the Bureau) is proposing to amend Regulation X, which implements the Real Estate Settlement Procedures Act of 1974 (RESPA) and the official interpretation of the regulation. The proposed amendments implement the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) provisions regarding mortgage loan servicing. Specifically, this proposal requests comment regarding proposed additions to Regulation X to address seven servicer obligations: To correct errors asserted by mortgage loan borrowers; to provide information requested by mortgage loan borrowers; to ensure that a reasonable basis exists to obtain force-placed insurance; to establish reasonable information management policies and procedures; to provide information about mortgage loss mitigation options to delinquent borrowers; to provide delinquent borrowers access to servicer personnel with continuity of contact about the borrower's mortgage loan account; and to evaluate borrowers' applications for available loss mitigation options. This proposal would also modify and streamline certain existing servicing-related provisions of Regulation X. For instance, the proposal would revise provisions relating to a mortgage servicer's obligation to provide disclosures to borrowers in connection with a transfer of mortgage servicing, and a mortgage servicer's obligation to manage escrow accounts, including the obligation to advance funds to an escrow account to maintain insurance coverage and to return amounts in an escrow account to a borrower upon payment in full of a mortgage loan. Published elsewhere in today's Federal Register, the Bureau proposes companion regulations implementing amendments to the Truth In Lending Act (TILA) in Regulation Z (the 2012 TILA Servicing Proposal).","document_number":"2012-19974","html_url":"https://www.federalregister.gov/documents/2012/09/17/2012-19974/2012-real-estate-settlement-procedures-act-regulation-x-mortgage-servicing-proposal","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2012-09-17/pdf/2012-19974.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2012-19974.pdf?1347049034","publication_date":"2012-09-17","agencies":[{"raw_name":"BUREAU OF CONSUMER FINANCIAL PROTECTION","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"to begin providing extensive documentation to prove <span class=\"match\">compliance</span> with the proposed <span class=\"match\">standards</span>. The SERs urged the Bureau to adopt <span class=\"match\">standards</span> that would allow small servicers to stay in the market and provide choices to consumers.\n 40 \n \n The SERs were particularly concerned about the costs and burdens of complying with the periodic statement requirements, as well as certain aspects of the process for resolving errors and responding to inquiries.\n 41 \n \n \n \n \n 40 \n  Small Business Review Panel <span class=\"match\">Report</span> at 16, 21.\n \n \n \n \n 41 \n  \n Id. \n at 16-19, 21, and"},{"title":"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":"Rule","abstract":"The OCC, Board, FDIC, OTS, NCUA, and FTC (Agencies) are publishing these final rules to implement the accuracy and integrity and direct dispute provisions in section 312 of the Fair and Accurate Credit Transactions Act of 2003 (FACT Act) that amended section 623 of the Fair Credit Reporting Act (FCRA). The final rules implement the requirement that the Agencies issue guidelines for use by furnishers regarding the accuracy and integrity of the information about consumers that they furnish to consumer reporting agencies (CRAs) and prescribe regulations requiring furnishers to establish reasonable policies and procedures for implementing the guidelines. These final rules also implement the requirement that the Agencies issue regulations identifying the circumstances under which a furnisher must reinvestigate disputes about the accuracy of information contained in a consumer report based on a direct request from a consumer.","document_number":"E9-15323","html_url":"https://www.federalregister.gov/documents/2009/07/01/E9-15323/procedures-to-enhance-the-accuracy-and-integrity-of-information-furnished-to-consumer-reporting","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2009-07-01/pdf/E9-15323.pdf","public_inspection_pdf_url":null,"publication_date":"2009-07-01","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":"Introduction \n \n The Fair Credit <span class=\"match\">Reporting</span> Act (<span class=\"match\">FCRA</span>), which was enacted in 1970, sets <span class=\"match\">standards</span> for the collection, communication, and use of information bearing on a consumer's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.\n 1 \n \n In 1996, the Consumer Credit <span class=\"match\">Reporting</span> Reform Act extensively amended the <span class=\"match\">FCRA</span>.\n 2 \n \n The FACT Act \n 3 \n \n further amended the <span class=\"match\">FCRA</span> for various purposes, including improved accuracy of consumer <span class=\"match\">reports</span>.\n \n \n \n 1 \n  15 U.S.C. 1681-1681x"},{"title":"Interagency 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 (Agencies) are publishing for comment proposed regulations and guidelines to implement the accuracy and integrity provisions in section 312 of the Fair and Accurate Credit Transactions Act of 2003 (FACT Act).\\1\\ The proposed regulations and guidelines would implement the requirement that the Agencies issue guidelines for use by furnishers regarding the accuracy and integrity of the information about consumers that they furnish to consumer reporting agencies and prescribe regulations requiring furnishers to establish reasonable policies and procedures for implementing the guidelines. The Agencies also are publishing for comment proposed regulations to implement the direct dispute provisions in section 312. The proposed regulations would implement the requirement that the Agencies issue regulations identifying the circumstances under which a furnisher must reinvestigate disputes about the accuracy of information contained in a consumer report based on a direct request from a consumer. ---------------------------------------------------------------------------","document_number":"E7-23549","html_url":"https://www.federalregister.gov/documents/2007/12/13/E7-23549/interagency-notice-of-proposed-rulemaking-procedures-to-enhance-the-accuracy-and-integrity-of","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2007-12-13/pdf/E7-23549.pdf","public_inspection_pdf_url":null,"publication_date":"2007-12-13","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":"solely to obtain a consumer <span class=\"match\">report</span> under sections 604(a) and (f) of the <span class=\"match\">FCRA</span>, which enumerate the circumstances under which a CRA may provide a consumer <span class=\"match\">report</span> and prohibit persons from obtaining or using consumer <span class=\"match\">reports</span> for impermissible purposes. Users of consumer <span class=\"match\">reports</span> may provide information about consumers to CRAs in order to obtain such <span class=\"match\">reports</span>, but they do not do so for the purpose of having such information included in consumer <span class=\"match\">reports</span>. Although the user's request for the <span class=\"match\">report</span> may be reflected in the consumer <span class=\"match\">report</span> as an inquiry, the Agencies"},{"title":"Telemarketing Sales Rule","type":"Rule","abstract":"The Federal Trade Commission (``Commission'' or ``FTC'') issues its Statement of Basis and Purpose and Final Rule pursuant to the telemarketing and Consumer Fraud and Abuse Prevention Act (``Telemarketing Act'' or the ``Act''). Section 3 of the Act directs the FTC to prescribe regulations, within 365 days of enactment of the Act, prohibiting deceptive and abusive telemarketing acts or practices.","document_number":"95-20655","html_url":"https://www.federalregister.gov/documents/1995/08/23/95-20655/telemarketing-sales-rule","pdf_url":"https://www.govinfo.gov/content/pkg/FR-1995-08-23/pdf/95-20655.pdf","public_inspection_pdf_url":null,"publication_date":"1995-08-23","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":"person has expired; and\n    (ii) The seller has provided the person with documentation in the \nform of a consumer <span class=\"match\">report</span> from a consumer <span class=\"match\">reporting</span> agency \ndemonstrating that the promised results have been achieved, such <span class=\"match\">report</span> \nhaving been issued more than six months after the results were \nachieved. Nothing in this Rule should be construed to affect the \nrequirement in the Fair Credit <span class=\"match\">Reporting</span> Act, 15 U.S.C. 1681, that a \nconsumer <span class=\"match\">report</span> may only be obtained for a specified permissible \npurpose;\n    (3) Requesting or receiving payment of any fee or"}]}