[20030915]RS21576_公平信用报告法：常见问题解答.pdf

1FormoreinformationabouttheFairCreditReportingActingeneral,seeCRSReportRL31666,Fair Credit Reporting Act: Rights and Responsibilities.215 U.S.C. 1681t(d). For more information on the preemption provisions in the Fair CreditReportingAct, see CRS Report RS21449, Fair Credit Reporting Act: Preemption of State Law.Congressional Research Service The Library of CongressCRS Report for CongressReceived through the CRS WebOrder Code RS21576Updated September 15, 2003Fair Credit Reporting Act:Frequently Asked QuestionsAngie A. WelbornLegislative AttorneyAmerican Law DivisionLoretta NottAnalyst in EconomicsGovernment and Finance DivisionSummaryAsfinancialprivacyissuesaredebatedinCongress, numerousquestionsabouttheFair Credit Reporting Act (FCRA) have emerged. Enacted in 1970, the Fair CreditReporting Act is the federal statute that establishes a regulatory framework for creditreporting in the United States and establishes a consumers rights with respect to his orher credit report. This report attempts to answer frequently asked questions about theFair Credit Reporting Act.1It will be updated as events warrant.Will the Fair Credit Reporting Act expire at the end of the year?The Fair Credit Repo