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The Texas Office of Consumer Credit Commissioner (“OCCC”) is a Texas state agency that regulates non-depository lenders in the state of Texas, [1] which includes, among others, mortgage loan originators, vehicle sales finance companies, debt settlement providers, pawnshops and credit access businesses.
The FICO model is used by the vast majority of banks and credit grantors, and is based on consumer credit files of the three national credit bureaus: Experian, Equifax, and TransUnion. Because a consumer's credit file may contain different information at each of the bureaus, FICO scores can vary depending on which bureau provides the ...
The California Consumer Credit Reporting Agencies Act (CCCRA) was passed in 1975 as the state's version of the federal Fair Credit Reporting Act. [16] The act regulates consumer credit reporting agencies as well as any users of credit reports. The act also provides a narrower definition of "consumer credit report" as any information that falls ...
It was written as an amendment to add a title VI to the Consumer Credit Protection Act, Pub. L. 90–321, 82 Stat. 146, enacted June 29, 1968. The Fair Credit Reporting Act was one of the first data privacy laws passed in the Information Age. The findings of the U.S. Congress that led to the Act and the Act's regulatory goals set the direction ...
The court in a 7-2 vote ruled that the funding structure of the Consumer Financial Protection Bureau (CFPB), which allows the agency to be funded directly by the Federal Reserve, is ...
The Credit Repair Organization Act regulates credit repair companies. ... Consumer Financial Protection Bureau (CFPB): Visit the CFPB website or call (855) 411-2372 to submit a complaint. The CFPB ...
Karis, a 33-year-old geographic information systems analyst from Waco, Texas embodies this trend. Before her recent raise, nearly 50% of her income was dedicated to rent. Now, it’s closer to 41% ...
The US Credit Repair Organizations Act ("CROA") is Title IV of the Consumer Credit Protection Act. Despite its name, it is not actually an act; Section 401 states, however, it can be referred to as "Credit Repair Organizations Act". The statute was signed by President Bill Clinton on September 30, 1996. [1]