Volume 5, Edition 3, March 2009

This Month’s Challenge is sponsored by:

FETCH Technologies



Answer: 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).

As a CRA, I have to follow the Fair Credit Reporting Act:

A) Always

B) Only when the state law is less restrictive

C) Only when the state law is more restrictive

D) Only if I am reporting credit information


Disclaimer Statement: All information presented is for information purposes only and is not intended to provide professional or legal advise regarding actions to take in any situation. Advertisements are presented for information and marketing purposes only and the National Institute for Prevention of Workplace Violence, Inc. makes no representations for any products or services that are promoted and accepts no responsibility for any actions or consequences that occur as a result of any purchases from advertisers.