Fair Credit Reporting Act
Author: United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Affairs and Coinage
Publisher:
Published: 1991
Total Pages: 780
ISBN-13:
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Author: United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Affairs and Coinage
Publisher:
Published: 1991
Total Pages: 780
ISBN-13:
DOWNLOAD EBOOKAuthor: Chi Chi Wu
Publisher:
Published: 2006
Total Pages: 1018
ISBN-13:
DOWNLOAD EBOOKAuthor: United States
Publisher:
Published: 1999
Total Pages: 60
ISBN-13:
DOWNLOAD EBOOKAuthor: Eric Rosenblatt
Publisher: Academic Press
Published: 2020-01-21
Total Pages: 274
ISBN-13: 0128188154
DOWNLOAD EBOOKCredit Data and Scoring: The First Triumph of Big Data and Big Algorithms illuminates the often-hidden practice of predicting an individual's economic responsibility. Written by a leading practitioner, it examines the international implications of US leadership in credit scoring and what other countries have learned from it in building their own systems. Through its comprehensive contemporary perspective, the book also explores how algorithms and big data are driving the future of credit scoring. By revealing a new big picture and data comparisons, it delivers useful insights into legal, regulatory and data manipulation. Provides insights into credit scoring goals and methods Examines U.S leadership in developing credit data and algorithms and how other countries depart from it Analyzes the growing influence of algorithms in data scoring
Author: LandMark Publications
Publisher:
Published: 2017-06-15
Total Pages: 548
ISBN-13: 9781521503324
DOWNLOAD EBOOKTHIS CASEBOOK contains a selection of U. S. Court of Appeals decisions that analyze, discuss and interpret provisions of the Fair Credit Reporting Act. The selection of decisions spans from 2008 to the date of publication.The FCRA regulates the collection and dissemination of certain consumer data bearing on credit eligibility. Its protections are focused on the sale of "consumer reports" -- communications (1) containing information related to any one of seven specific consumer characteristics (including credit standing and worthiness and other personal information), which are (2) prepared to assist buyers in making certain eligibility determinations, including credit eligibility. 15 U.S.C. � 1681a(d). Berry v. Schulman, 807 F. 3d 600 (4th Cir. 2015).The Act imposes various obligations on "consumer reporting agencies" -- companies that regularly prepare "consumer reports," 15 U.S.C. � 1681a(f) -- and provides a wide panoply of protections for consumers. For example, consumer reports may be furnished only for certain uses, such as credit transactions. Id. at � 1681b(a)(3)(A). Consumers are given the right to view the information in their files, id. at � 1681g(a)(1), and if they dispute the information they find, the consumer reporting agency must conduct a reasonable investigation into the information's accuracy, id. at � 1681i(a)(1)(A). None of those protections applies, however, unless and until a "consumer report" has been issued. Berry v. Schulman, ibid.The FCRA provides a private right of action against those who violate its statutory requirements in procuring and using consumer reports. The affected consumer is entitled to actual damages for a negligent violation. 15 U.S.C. � 1681o. For a willful violation, however, a consumer may recover statutory damages ranging from $100 to $1,000, punitive damages, and attorney's fees and costs. 15 U.S.C. � 1681n. Syed v. MI, LLC, 846 F. 3d 1034 (9th Cir. 2017).
Author: United States. Congress. House. Committee on Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Publisher:
Published: 2003
Total Pages: 516
ISBN-13:
DOWNLOAD EBOOKAuthor: Willard Ogburn
Publisher:
Published: 1982
Total Pages: 228
ISBN-13:
DOWNLOAD EBOOKThis work focuses on the prevention of reporting inaccurate credit reports and the unauthorized disclosure of personal information. Topics include specific reporting agency compliance obligations, consumer rights, improper reporting agency use of information in consumer files, judicial remedies, and how to learn what information is on file about the consumer.
Author: Federal Deposit Insurance Corporation
Publisher:
Published: 1980
Total Pages: 24
ISBN-13:
DOWNLOAD EBOOKAuthor: United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Publisher:
Published: 2003
Total Pages: 32
ISBN-13:
DOWNLOAD EBOOKAuthor: United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Consumer and Regulatory Affairs
Publisher:
Published: 1992
Total Pages: 328
ISBN-13:
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