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Effective Dates Analysis 1
Joint Explanatory Statement of the Committee of Conference November 21 2003
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Accurate Credit Transactions active duty alert amended at 15 apply bill block card issuer codified as amended codified at 15 Committee Cong Congress consumer credit consumer report information consumer reporting agency consumer's credit credit card credit or insurance Credit Reporting Act credit score Credit Transactions Act Credit Union creditors debit card disclose disclosure disputed information effective date entity established FACT Act Fair and Accurate Fair Credit Reporting FCRA Federal banking agencies Federal Trade Commission financial institution financial literacy fraud alert guidelines investigation lender literacy and education loan marketing solicitations medical information nationwide consumer reporting NCUA notice notify opt-out Oxley/Bachus legislative history paragraph person policies and procedures preemption provisions prohibit pursuant reasonable policies received reinvestigation Reporting Act 15 reporting agency described request reseller resulted from identity risk-based pricing Senate specific subparagraph subsection summary of rights telephone number tion toll-free telephone