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Banker Resource Center

Privacy and Credit Reporting

Reference materials covering regulations, examination manuals, and supervisory resources as they pertain to consumer privacy and credit reporting topics. Specific areas of focus include the Fair Credit Reporting Act (FCRA), the Fair and Accurate Credit Transactions Act (FACTA), the Telephone Consumer Protection Act (TCPA), and other consumer privacy topics.

Laws and Regulations

Key laws and regulations that pertain to FDIC-supervised institutions; note that other laws and regulations also may apply.

Supervisory Resources

Frequently asked questions, advisories, statements of policy, and other information issued by the FDIC alone, or on an interagency basis, provided to address consumer protection issues.

  • Fair Credit Reporting Act
  • Telephone Consumer Protection Act
  • Privacy
    • Section VIII. Privacy — GLBA of the FDIC’s Consumer Compliance Examination Manual discusses the treatment of nonpublic personal information about consumers by financial institutions, outlines regulatory requirements, and provides related examination procedures
    • Frequently Asked Questions assist financial institutions in complying with the privacy provisions of the Gramm-Leach-Bliley Act (GLBA) and illustrate how select provisions of the related regulation apply to specific situations a financial institution may confront
  • Interagency Statement on the Use of Alternative Data in Credit Underwriting focuses on consumer protection implications regarding the use of alternative data in underwriting, highlighting potential benefits and risks
  • Consumer Credit Reporting Practices addresses financial institutions’ resolution of issues related to consumer credit reporting

Other Resources

Supplemental information related to consumer protection issues.