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Smiley v. Citibank, 517 U.S. 735 (1996), is a U.S. Supreme Court decision upholding a regulation of the Comptroller of Currency which included credit card late fees and other penalties within the definition of interest and thus prevented individual states from limiting them when charged by nationally-chartered banks.
In addition, the FCRA entitles consumers to a free credit report from each of the three major credit bureaus once every 12 months, allowing you to stay informed about your credit health without an ...
The case has been called one of the most important of the late 20th century, since it freed nationally chartered banks to offer credit cards to anyone in the U.S. they deemed qualified, and more specifically because it allowed them to export credit card interest rates to states with stricter regulations, opening up a race between states in an ...
Federal law requires agencies to investigate disputed information; however, "the agencies have operated for decades with systems that make it nearly impossible to conduct a comprehensive investigation, attorneys and consumer advocates say. The law is so nuanced, they say, that credit bureaus can essentially wash their hands of meaningful review."
(The Center Square) – The Consumer Financial Protection Bureau finalized a rule that would remove medical bills from credit reports and prevent lenders from using medical information in lending ...
The Fair and Accurate Credit Transactions Act of 2003 (FACT Act or FACTA, Pub. L. 108–159 (text)) is a U.S. federal law, passed by the United States Congress on November 22, 2003, [1] and signed by President George W. Bush on December 4, 2003, [2] as an amendment to the Fair Credit Reporting Act.
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