News & Analysis as of

Credit Reporting Agencies

Mintz - Employment, Labor & Benefits...

New FCRA Notice Requirements Now In Effect

Earlier this month, the Consumer Finance Protection Bureau (CFPB) issued updated model disclosure forms required under the federal Fair Credit Reporting Act (FCRA). The updated “Summary of Your Rights Under the Fair Credit...more

Parker Poe Adams & Bernstein LLP

Important Consumer Rights Take Effect as Part of Dodd-Frank Modifications

The Economic Growth, Regulatory Relief, and Consumer Protection Act takes effect on Friday, September 21. The act modifies the Dodd-Frank Wall Street Reform and Consumer Protection Act in a variety of ways, including with...more

Womble Bond Dickinson

Mark Your Calendars: New FCRA Summary of Rights Notice Requirements Go into Effect Today, September 21, 2018

by Womble Bond Dickinson on

Things are changing in FCRAland. The Economic Growth, Regulatory Relief, and Consumer Protection Act (“Act”) (full text here) has added a new section the Fair Credit Reporting Act (“FCRA”), section 605A(i), which goes into...more

Womble Bond Dickinson

Using FCRA’s Expansiveness as a Shield: CFPB Gets Pushback on FCRA Subpoena

by Womble Bond Dickinson on

The expansiveness of FCRA has long been used by plaintiffs as a sword against consumer reporting agencies, furnishers of consumer information, and users of consumer information. Here, a company successfully used FCRA as a...more

Womble Bond Dickinson

The Tassel is Worth the Hassle: Putative Class Action Dismissed after Court Finds that Accurately Reported College Enrollment...

by Womble Bond Dickinson on

15 U.S.C. 1681c of the Fair Credit Reporting Act (“FCRA”) governs the requirements for information contained in consumer reports. Section 1681c(a) provides that there are six categories of information that are generally...more

Epstein Becker & Green

Employers Must Use Updated FCRA Notice of Rights Beginning September 21

by Epstein Becker & Green on

On September 12, 2018, the Bureau of Consumer Financial Protection (“CFPB”) announced an interim final rule (“Rule”) to be effective September 21, 2018, that will update two model disclosure forms used when conducting...more

Womble Bond Dickinson

Freeze! New Amendments to the FCRA Grant New Consumer Rights and Impose New Disclosure Requirements

by Womble Bond Dickinson on

With the passage of the Economic Growth, Regulatory Relief, and Consumer Protection Act earlier this year, Congress amended the Fair Credit Reporting Act (FCRA). The Act amends both consumer rights under FCRA and imposes...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

Latham & Watkins LLP

Consumer Credit Update

by Latham & Watkins LLP on

This update takes a look at the FCA’s Interim Report and its initial views relating to the review of the provisions of the Consumer Credit Act 1974 (CCA), which show early signs of a more pragmatic approach to regulation than...more

Ballard Spahr LLP

Proposed Credit Reporting Changes Pass House With Mixed Reviews

by Ballard Spahr LLP on

Consumer advocacy groups are questioning the purported benefits of H.R. 435 the “Credit Access and Inclusion Act of 2017,” a bill that passed with bipartisan support in the House of Representatives in June, and is currently...more

Snell & Wilmer

The Credit Access and Inclusion Act Aims to Open Up Credit Availability to Low-Income and Minority Consumers

by Snell & Wilmer on

On June 25, 2018, the House passed legislation known as the Credit Access and Inclusion Act of 2017, with bipartisan support (H.R. 5078). The bill is intended to allow low-income and minority Americans more access to credit...more

Dorsey & Whitney LLP

Equifax Manager Pleads Guilty to Insider Trading

by Dorsey & Whitney LLP on

Cyber security is a topic which is front and center, not just as a compliance issue but for being prepared to manage a hack and the multiple issues such an event creates. The huge hack at Equifax, Inc. is a prime example....more

Goodwin

Financial Services Weekly Roundup - July 2018 #2

by Goodwin on

Editor's Note - In This Issue. California enacted a new data privacy law; the SEC’s Office of Compliance Inspections and Examinations (OCIE) issued a risk alert highlighting deficiencies observed in recent examinations of...more

Manatt, Phelps & Phillips, LLP

State Financial Regulators Settle With Equifax Over Data Breach

Pursuant to a consent order with eight state financial regulators, Equifax agreed to take corrective actions following its record-breaking 2017 data breach, but avoided paying any fines or penalties....more

Weiner Brodsky Kider PC

Credit Reporting Agency Signs Data Security Improvement Deal with 8 States

by Weiner Brodsky Kider PC on

Regulators in eight states signed a consent order with a large, national credit reporting agency requiring it to improve its data security and information technology systems in order to prevent potential harm caused by an...more

Bracewell LLP

New York Cyber Enforcement Steps Into the Breach

by Bracewell LLP on

Last month, the New York State Department of Financial Services (NYDFS) proclaimed, “In an era of weakened federal government oversight, strong state regulation is essential in order to safeguard our markets, ensure strong...more

Ballard Spahr LLP

NYDFS Requires Consumer Credit Reporting Agencies to Comply with Cybersecurity Regulation

by Ballard Spahr LLP on

The New York Department of Financial Services (“NYDFS”) has adopted a regulation that requires “consumer credit reporting agencies” (“CCRAs”) to register with the NYDFS, prohibits CCRAs from engaging in certain practices, and...more

Weiner Brodsky Kider PC

NY Implements New Regulation Applicable to Consumer Credit Reporting Agencies

by Weiner Brodsky Kider PC on

On June 25, 2018, the New York Department of Financial Services (NYDFS) announced a final regulation requiring credit reporting agencies with significant operations in New York to register with the NYDFS and comply with the...more

White and Williams LLP

New York’s Cyber Regulations Now Apply to Credit Reporting Agencies

by White and Williams LLP on

On June 25, 2018, the New York Department of Financial Services (NYDFS) issued a final regulation that requires any credit reporting agency (CRA) with “significant operations” in New York to register with the NYDFS and comply...more

Hinshaw & Culbertson LLP

Governor Cuomo Mandates Compliance by Credit Reporting Agencies with Sweeping New Cybersecurity Requirements

by Hinshaw & Culbertson LLP on

New York Governor Andrew Cuomo has issued a final regulation that requires credit reporting agencies doing business in New York to register annually with the Department of Financial Services (DFS) and also to comply with...more

Robinson & Cole LLP

Data Privacy + Cybersecurity Insider - June 2018 #4

by Robinson & Cole LLP on

Just weeks after Mexico’s central bank was targeted by hackers who stole $15 million, Chile’s biggest bank, Banco de Chile, announced on May 28, 2018, that it had been struck by a “virus” that affected its workstations,...more

Robinson+Cole Data Privacy + Security Insider

Credit Reporting Agencies Now Must Register with NY DFS and Comply with Cybersecurity Regulations

The New York Department of Financial Services issued new regulations requiring every consumer credit reporting agency that “assembles, evaluates, or maintains a consumer credit report on any consumers located in New York...more

Weiner Brodsky Kider PC

CFPB Fines Debt Collector $5 Million for Improper Debt Collection and Credit Furnishing Practices

by Weiner Brodsky Kider PC on

The CFPB recently entered into a consent order with a debt collector to assess a $5 million civil penalty to settle charges that the debt collector engaged in unlawful debt collection and credit reporting practices in...more

Ballard Spahr LLP

Senate Banking Committee to hold July 12 and 19 hearings on Kraninger nomination, credit reporting agencies

by Ballard Spahr LLP on

Politico has reported that on July 19, the Senate Banking Committee will hold a hearing on President Trump’s nomination of Kathy Kraninger to serve as CFPB Director. ...more

McGuireWoods LLP

This Week in Congress: June 2018 #4

by McGuireWoods LLP on

The House and Senate convene today at noon and 3 p.m., respectively. House - Votes. Lawmakers will take up a series of homeland security and natural resources bills under suspension of the rules....more

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Updated: May 25, 2018:

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Links to Other Websites

Our Website and Services may contain links to other websites. The operators of such other websites may collect information about you, including through cookies or other technologies. If you are using our Website or Services and click a link to another site, you will leave our Website and this Policy will not apply to your use of and activity on those other sites. We encourage you to read the legal notices posted on those sites, including their privacy policies. We are not responsible for the data collection and use practices of such other sites. This Policy applies solely to the information collected in connection with your use of our Website and Services and does not apply to any practices conducted offline or in connection with any other websites.

Information for EU and Swiss Residents

JD Supra's principal place of business is in the United States. By subscribing to our website, you expressly consent to your information being processed in the United States.

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You can make a request to exercise any of these rights by emailing us at privacy@jdsupra.com or by writing to us at:

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

You can also manage your profile and subscriptions through our Privacy Center under the "My Account" dashboard.

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California Privacy Rights

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You can make a request for this information by emailing us at privacy@jdsupra.com or by writing to us at:

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

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Access/Correct/Update/Delete Personal Information

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Changes in Our Privacy Policy

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Contacting JD Supra

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How We Use Cookies and Other Tracking Technologies

We use cookies and other tracking technologies to:

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Controlling and Deleting Cookies

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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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