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AnnualCreditReport.com is a website jointly operated by the three major U.S. credit reporting agencies, Equifax, Experian, and TransUnion.The site was created in order to comply with their obligations under the Fair and Accurate Credit Transactions Act (FACTA) [1] to provide a mechanism for American consumers to receive up to three free credit reports per year.
Suspicious activity report. In financial regulation, a Suspicious Activity Report (SAR) or Suspicious Transaction Report (STR) is a report made by a financial institution about suspicious or potentially suspicious activity as required under laws designed to counter money laundering, financing of terrorism and other financial crimes.
The Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports.
Opacity: credit score technology is not transparent so consumers are unable to know why their credit scores are affected. The scoring system has also been critiqued as a form of classification to shape an individual's life-chances—a form of economic inequality. [ 11 ] Since the 1980s, neoliberal economic policy has created an inverse ...
A smart card (SC), chip card, or integrated circuit card (ICC or IC card), is a card used to control access to a resource. It is typically a plastic credit card-sized card with an embedded integrated circuit (IC) chip. [ 1 ] Many smart cards include a pattern of metal contacts to electrically connect to the internal chip.
An identity document (abbreviated as ID) is a document proving a person's identity. If the identity document is a plastic card it is called an identity card (abbreviated as IC or ID card). When the identity document incorporates a photographic portrait, it is called a photo ID. [ 1 ] In some countries, identity documents may be compulsory or ...
The National Registration Identity Card (NRIC), colloquially known as " IC " (Malay: Kad Pengenalan Pendaftaran Negara; Chinese : 身份证; pinyin : Shēnfèn Zhèng; Tamil: அடையாள அட்டை, romanized:Aṭaiyāḷa Aṭṭai), is a compulsory identity document issued to citizens and permanent residents of Singapore. [ 1 ]
This is known as the internal ratings-based (IRB) approach to capital requirements for credit risk. Only banks meeting certain minimum conditions, disclosure requirements and approval from their national supervisor are allowed to use this approach in estimating capital for various exposures. [ 1 ][ 2 ] Reforms to the internal ratings-based ...