A. If you meet the definition of a consumer reporting
agency in the FCRA, you fall under the jurisdiction of the
FCRA and must follow it. State law has no bearing on a CRA's
responsibility and obligation to follow the federal FCRA.
The FCRA, however, can at times preempt a CRA's responsibilities
under state law, for example, making a state law restrictions
on what a CRA can report virtually have no effect (i.e,
TX seven year reporting restriction).
CRA, I have to follow the Fair Credit Reporting Act:
Only when the state law is less restrictive
Only when the state law is more restrictive
Only if I am reporting credit information