Tracking FACT Act Developments

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Tracking FACT Act Developments
This page features links to proposed rules, guidance, and final rules relating to the Fair and Accurate Credit Transactions Act ("FACT Act"), a December, 2003 federal law which revises the Fair Credit Reporting Act.

BOL LINKS:

FCRA/FACT Act Forum on Bankers' Threads

Do you need
FACTA Training?

BOL Learning Connect can help with a variety of two-hour CD ROM training programs on FCRA and FACT Act.

Learn More
Fair Credit Reporting Act Court Cases
Launch Pad, FCRA-related links
Word and PDF versions of the Fair Credit Reporting Act (with FACTA revisions) from Banker Tools
Regulation V - FRB regulation implementing parts of FACTA
InfoVault, FCRA/FACT Act articles on BOL
Red Flag Examples - html doc
Red Flag Examples - pdf doc

BOL Articles:
Red Flag Identity Theft Rules
Red Flag Rule
Changes in Customer's Address
Sharing Affiliate Information
Red Flag Regs Alert: It's Time to Start Planning
FACTA Address Discrepancy Reg Finalized

BOL Tools:
FACTA/FCRA Medical Rules - Cheat Sheet
FACT Act Medical Information Rules Training
QUIZ: Medical Information Rules under FACTA
FACT Act Policy
FACT Act Chart This provides a quick reference guide to summaries of the sections of the FACT Act and the spot where each will be found within the FCRA (Updated 01/05)
FCRA/FACT Act Home Loan Applicant and Credit Score Disclosure
Credit Report Request
Red Flag Account Warnings

External Links
FTC FCRA/Fact Act page
FACT Act
FCRA (with FACT Act amendments included)- word doc
FCRA (with FACT Act amendments included) - pdf
FCRA Exam Procedures

Final Rules
OTC Memorandum - ID Theft Red Flags & Address Discrepancies Final Rules & Guidelines - text
Affiliate Marketing Rules - text
Affiliate Marketing Rules - pdf
FACTA Red Flag and Address Discrepancy Regulations and Guidelines
FACTA Medical Information Rules
Prescreen Opt-Out Disclosure (PDF) (Effective August 1, 2005)
Joint Bank Regulatory Agencies' Final Regulation on Consumer Information and Records Disposal
FTC Issues Final Regulation on Consumer Information and Records Disposal
ID Theft Provisions of FACTA
Effective dates for provisions of FACTA
Negative information reporting
Free copies of consumer reports
FTC press release relating to free credit report rule

Pending Proposals
Notice of Proposed Rulemaking on FACTA Section 312
Comments on Proposed FACTA Red Flag & Address Discrepancy Regulations
Proposed FACTA Red Flag and Address Discrepancy Regulations & Guidelines
Notice of Proposed Rulemaking on FACTA Red Flag Guidelines
FTC Seeks Comments on FACT Act Furnisher Rules
Regulators Publish Affiliate Marketing Proposal
Affiliate Marketing Notice and Opt Out FRB OCC

First published on BankersOnline.com 6/25/04

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