How Does the Fair and Accurate Credit Transactions Act of 2003 Improve on the Fair Credit Reporting Act?

  • By: ComplianceOnline Expert
  • Date: November 18, 2011
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The Fair and Accurate Credit Transactions (FACT) Act was signed into law by President George Bush in December 2003. This Act incorporates and extends the Fair Credit Reporting Act (FCRA). The enactment of the FACT Act was necessitated by the fact that FCRA’s pre-emption provisions were due to expire in December 2003.

This article describes how FACT improves upon the FCRA.

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