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The FCRA imposes specific requirements on landlords as Users. Notably, they must "…provide oral, written, or electronic notice of adverse action taken based in whole or in part on any information contained in a consumer (tenant screening] report. Adverse action is a determination that is adverse to the consumer's interest.
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.
Fair and Accurate Credit Transactions Act; Other short titles: Financial Literacy and Education Improvement Act: Long title: An Act to amend the Fair Credit Reporting Act, to prevent identity theft, improve resolution of consumer disputes, improve the accuracy of consumer records, make improvements in the use of, and consumer access to, credit information, and for other purposes.
If any private financial information has been shared under the Fair Credit Reporting Act, federal implementing regulations, and the Vermont Fair Credit Reporting Act [19] The financial institution's policies regarding protecting consumer financial information [19] If any information has been shared using exceptions authorized under the ...
Consumers are paying the equivalent of up to 311% interest on items like big-screen televisions and other home appliances from rent-to-own stores, including Rent-A-Center and Aaron's . As a result ...
Rent, Don't Own, Say 76% of Consumers. Leah Gillis. Updated July 14, 2016 at 9:04 PM. ... A new online survey shows an increase in consumers that think renting is better than owning right now.
1. Notice/Awareness [12] Consumers should be given notice of an entity's information practices before any personal information is collected from them. [12] This requires that companies explicitly notify some or all of the following: identification of the entity collecting the data; identification of the uses to which the data will be put;
Owners' equivalent rent, a measure of the amount homeowners would pay to rent or earn from renting their property, rose 0.2%. That was the smallest gain since April 2021 and followed a 0.4% ...