The Fair Credit Reporting Act

(Released June 2003)

With key federal preemption provisions of FCRA slated to sunset on January 1, 2004, the Information Policy Institute prepared The Fair Credit Reporting Act: Access, Efficiency and Opportunity for the National Chamber Foundation. The report quantifies the benefits that consumers receive as a result of federal preemption, while finding few direct or indirect costs. Furthermore, it goes on to make the economic case that losing the existing preemption framework would threaten the benefits consumers currently enjoy.

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