Government & Public Interest Documents

Government Resources

A number of state and federal agencies have provided support for individuals to assist with understanding the credit reporting system and remedying problems with credit reports. These resources include reports, data and self-help documents. Below are resources that we believe can help consumers better understand their own credit and how to obtain help.

Self-Help Documents

• CFPB Credit Dispute Checklist

Statutes

Federal

• Equal Credit Opportunity Act, 15 U.S.C. 1691
• Fair Credit Reporting Act, 15 U.S.C. 1681

Michigan

• Michigan Consumer Protection Act
• Michigan Identity Theft Protection Act, MCL 445.61

Studies and Reports

FTC

• Using FACTA Remedies: An FTC Staff Report on a Survey of Identity Theft Victims
• Report to Congress on Results of Studies Required by FACTA on Accuracy and Completeness of Credit Reports
• 2004 — First Interim Federal Trade Commission Report to Congress Concerning the Accuracy of Information in Credit Reports
• 2006 — Second Interim Federal Trade Commission Report to Congress Concerning the Accuracy of Information in Credit Report 2008 — Third Interim Federal Trade Commission Report to Congress Concerning the Accuracy of Information in Credit Reports
  • Appendix 1 — Privacy Policy for the Registration Web Site of the FTC Credit Report Accuracy Study
  • Appendix 2 — Privacy Impact Assessment of the Registration Web Site for the FTC Credit Report Accuracy
  • Appendix 3 — Pilot Study 2 on Processes for Determining the Accuracy of Credit Bureau Information
• 2010 — Fourth Interim Federal Trade Commission Report to Congress Concerning the Accuracy of Information in Credit Reports
• 2012 — Fifth Interim Federal Trade Commission Report to Congress Concerning the Accuracy of Information in Credit Reports

Congressional Testimony

FCRA

• FCRA 2012 Testimony of Chi Chi Wu before the Senate Banking Committee on behalf of NCLC 2007 Testimony of Leonard Bennett Before the House Committee on Financial Services on behalf of NACA
• 2007 Testimony of Leonard Bennett Before the House Committee on Financial Services on behalf of NACA

Private Studies and White Papers

• 2011 CATO Institute — Reputation under RegulationThe Fair Credit Reporting Act at 40 and Lessons for the Internet Privacy Debate