News & Analysis as of

Consumer Reporting Agencies

Davis Wright Tremaine LLP

Vacation is Canceled!: Consumer Reporting Agencies Must Satisfy First-in-the-Nation N.Y. Cybersecurity Regulations by the Fall

by Davis Wright Tremaine LLP on

On June 25, 2018, the New York Department of Financial Services (“NYDFS”) issued a final regulation (the “Regulation”) requiring consumer reporting agencies with “significant operations” in New York to (1) register with NYDFS...more

Weiner Brodsky Kider PC

9th Circuit Affirms Dismissal of FCRA Reporting Error Case Against Consumer Reporting Agency

by Weiner Brodsky Kider PC on

A three-judge panel of the Ninth Circuit recently affirmed a district court’s summary judgment finding that a national consumer reporting agency (CRA) did not violate the Fair Credit Reporting Act (FCRA). The court explained...more

Kilpatrick Townsend & Stockton LLP

Key Provisions of the Recently Enacted Consumer Protection Legislation

Changes Impact Credit Reporting, Veteran Lending, and Private Student Lending, Among Other Areas - On May 24, 2018, President Trump signed the Economic Growth, Regulatory Relief, and Consumer Protection Act (the Act) into...more

Arnall Golden Gregory LLP

Compliance News Flash

by Arnall Golden Gregory LLP on

Arnall Golden Gregory LLP is pleased to provide you with the Compliance News Flash. This weekly update is your source for timely background screening and immigration-related news that is important to your organization....more

Locke Lord LLP

Seventh Circuit Encourages Gamesmanship In Debt Disputes

by Locke Lord LLP on

The United States District Court for the Northern District of Illinois has recently issued several decisions unfavorable to debt collectors, including McMahon v. LVNV Funding, LLC, 12 C 1410, 2018 WL 1316736 (N.D. Ill. Mar....more

Brownstein Hyatt Farber Schreck

California Proposes New Liability Regime for Companies That Deal in Credit Reports

The California Legislature is considering enacting Assembly Bill 1859 (“AB 1859”), which would impose substantial new security obligations on consumer credit reporting agencies and companies that contract with such agencies....more

Jackson Walker

All 50 States Have Breach Notification Laws

by Jackson Walker on

Alabama and South Dakota have now enacted data breach notification laws. They were the last two states in the United States without a notification law. Both laws cover the usual topics, defining what categories of information...more

Weiner Brodsky Kider PC

Florida Prohibits Fees for Security Freezes on Consumer Reports

by Weiner Brodsky Kider PC on

Florida recently amended its provisions governing the fees consumer reporting agencies can charge to a consumer for placing, removing, or temporarily lifting a security freeze on their consumer report. The amendments take...more

Weiner Brodsky Kider PC

Nebraska Enhances Consumer Protection Law

by Weiner Brodsky Kider PC on

Nebraska strengthened its consumer protection law in response to a highly publicized 2017 data security breach involving a nationwide credit reporting agency. The Nebraska Senate voted unanimously in favor of the measure,...more

Fisher Phillips

Tougher Privacy and Data Security Protections Coming to North Carolina

by Fisher Phillips on

A bi-partisan privacy and data security bill, which will significantly impact companies with North Carolina employees, is in the works. North Carolina State Representative Jason Saine (R), Appropriations Chairman of...more

Ballard Spahr LLP

New York Regulation of Consumer Reporting Agencies Following Data Breaches

by Ballard Spahr LLP on

This week, New York Governor Andrew Cuomo issued a press release directing the New York Department of State to issue a new regulation impacting consumer reporting agencies....more

Jackson Lewis P.C.

Supreme Court Will Not Hear Ninth Circuit Decision Regarding Willful Violations Of FCRA’s Disclosure Provision

by Jackson Lewis P.C. on

On November 13, 2017, the U.S. Supreme Court declined to hear the appeal of one of 2017’s more significant Fair Credit Reporting Act (FCRA) opinions, Syed v. M-I, LLC. (9th Cir. Jan. 20, 2017). In Syed, the Ninth Circuit...more

King & Spalding

Plaintiff Failed To Plausibly Allege Consumer Reporting Agency Lacked A Reason To Believe Lenders Intended To Use Credit Report...

by King & Spalding on

On October 16, 2017, the United States District Court for the District of Minnesota dismissed a Fair Credit Reporting Act (“FCRA”) complaint because the plaintiff had failed to plausibly allege that the defendant lacked a...more

Ballard Spahr LLP

CFPB Issues Final Payday/Auto Title/High-Rate Installment Loan Rule

by Ballard Spahr LLP on

The Consumer Financial Protection Bureau (CFPB) issued its final payday loan rule last week in a release running 1,690 pages. Lenders covered by the rule include nonbank entities as well as banks and credit unions....more

Ballard Spahr LLP

NYDFS Proposes Regulation of Consumer Reporting Agencies

by Ballard Spahr LLP on

Last week, New York Governor Andrew Cuomo issued a press release directing the New York Department of Financial Services (“NYDFS”) to impose new rules on consumer reporting agencies (“CRAs”). The proposed regulation would...more

Littler

Federal District Court Holds Employer to its Promise in FCRA “Pre-Adverse Action” Notice

by Littler on

The U.S. District Court for the Eastern District of Wisconsin recently held that an employer potentially violated the Fair Credit Reporting Act (FCRA) when it provided the employee with three days to dispute information...more

Arnall Golden Gregory LLP

Compliance News Flash

by Arnall Golden Gregory LLP on

This week’s news flash – a quick overview of timely background screening and immigration-related news that is important to your organization. - A California federal jury recently found that a consumer reporting agency...more

Ballard Spahr LLP

Credit reporting standards for civil judgments and tax liens to change July 1

by Ballard Spahr LLP on

An informative new American Banker podcast discusses recent and possible future changes to traditional credit scores, what they mean for industry, and possible industry responses. The podcast begins with a discussion of...more

Manatt, Phelps & Phillips, LLP

CFPB Updates: Consumer Reporting Supervisory Highlights, Loss Over CID

In news at the Consumer Financial Protection Bureau, the agency released a special edition of its Supervisory Highlights focused on consumer reporting and was handed a major loss from the U.S. Court of Appeals for the D.C....more

Davis Wright Tremaine LLP

A “Bad Apples” Database for Banks? Not So Fast.

by Davis Wright Tremaine LLP on

Should banks, while guarding against rolling episodes of misconduct by bankers, have the ability to blackball employees from the banking industry? A “bad apples” database of bank employees who have acted improperly in prior...more

Ballard Spahr LLP

CFPB settles with consumer reporting agency for alleged UDAAP/FCRA violations

by Ballard Spahr LLP on

The CFPB announced that it has entered into a consent order with Experian, a consumer reporting agency, for allegedly engaging in the deceptive marketing of credit scores in violation of the Consumer Financial Protection...more

Bradley Arant Boult Cummings LLP

Student Loan Servicers Still Looking for Clarification on Reporting Obligations

There is surprisingly little guidance for student loan servicers when it comes to credit reporting. The only recent guidance directed at loan servicers came by way of an announcement from the U.S. Departments of Education and...more

FordHarrison

Ninth Circuit: FCRA Background Check Disclosure Cannot Include Liability Waiver

by FordHarrison on

In a case of first impression, the Ninth Circuit Court of Appeals recently held that a background check disclosure that included a liability waiver violated the Fair Credit Reporting Act (FCRA). The Ninth Circuit is the first...more

Sherman & Howard L.L.C.

FCRA Disclosure Revisited

by Sherman & Howard L.L.C. on

In these unsettled days of a new administration, it is almost soothing to see the courts focus on statutory language alone. Almost. The Fair Credit Reporting Act (“FCRA”) requires that, before a prospective employer (or...more

Fenwick & West LLP

Litigation Alert: The Third Circuit Holds That Allegations That Personal Information Was Improperly Disclosed in Violation of the...

by Fenwick & West LLP on

Last week, the Third Circuit held that allegations of the unauthorized disclosure of personal information in violation of the Fair Credit Reporting Act (FCRA) constituted a de facto injury sufficient to confer standing at the...more

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Updated: May 25, 2018:

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Information for EU and Swiss Residents

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Privacy Officer
JD Supra, LLC
10 Liberty Ship Way, Suite 300
Sausalito, California 94965

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Privacy Officer
JD Supra, LLC
10 Liberty Ship Way, Suite 300
Sausalito, California 94965

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Updates to This Policy

We may update this cookie policy and our Privacy Policy from time-to-time, particularly as technology changes. You can always check this page for the latest version. We may also notify you of changes to our privacy policy by email.

Contacting JD Supra

If you have any questions about how we use cookies and other tracking technologies, please contact us at: privacy@jdsupra.com.

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