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The Fair and Accurate Credit Transactions Act of 2003, which amends the Fair Credit Reporting Act (FCRA), has many implications for the real estate finance industry. The information below helps you to understand recent changes in legislation and provides valuable resources to help you comply with the law.
MBA Comment Letters and Industry Information
- MBA Comment Letter to the Federal Trade Commission on FACT Act on Prescreen Rule, Project No. R411010. October 28, 2004
- Joint Industry Letter to OTS, the Fed, NCUA, OCC, FDIC and FTC on December 1, 2004 effective dates for many FACT Act Provisions. November 1, 2004
- MBA Letter to the Federal Trade Commission on FACT Act Scores Study. April 25, 2005
- Joint Industry Letter to the Federal Reserve and the Federal Trade Commission on FACTA Risk-Based Pricing Notice Rulemaking. September 9, 2004
- MBA Comment Letter to the National Credit Union Administration on FACT Act Affiliate Marketing Rule (Part 717). August 16, 2004
- MBA Comment Letter to the Comptroller of the Currency on FACT Act Affiliate Marketing Rule (Regulation V, Docket No. R-1203). August 16, 2004
- MBA Comment Letter to the Federal Deposit Insurance Corporation on FACT Act Affiliate Marketing Rule, RIN number 3064-AC73. August 16, 2004
- MBA Comment Letter to the Federal Trade Commission on FACT Act Affiliate Marketing Rule, Matter No. R411006. August 16, 2004
- MBA Comment Letter to the Federal Trade Commission on FACT Act Notices, Matter No. R411013. August 16, 2004
- MBA Comment Letter to the Office of Comptroller of the Currency on FACT Act Affiliate Marketing Rule, Docket No. 04-16. August 16, 2004
- MBA Comment Letter to the Office of Thrift Supervision on FACT Act Affiliate Marketing Rule, number 2004-31. August 16, 2004
- MBA Comment Letter to the Security and Exchange Commission on FACT Act Affiliate Marketing Rule (File Number S7-29-04). August 13, 2004
- MBA Letter to Federal Reserve on Consideration of Issues Related to Prescreening Solicitations. July 23, 2004
- MBA Response to the Federal Trade Commission Request for Comment on the Effects of Requiring that a Consumer Who Has Experienced an Adverse Action Based on a Credit Report Receives a Copy of the Same Credit Report that the Creditor Relied on in Taking the Adverse Action. July 16 2004
- MBA Comment Letter to OTS, the Fed, NCUA, OCC, FDIC and FTC on Fair Credit Reporting Medical Information Regulation: OCC Docket No. 04-09, Board Docket No. R-1188, FDIC RIN 3064—AC81 OTS RIN 1550-AB88 (69 Fed. Reg. 23380 [April 28, 2004]). May 28, 2004
- MBA Comment Letter to the Federal Reserve on FACT Act Model Notice Relating to Furnishing Negative Information Docket No. R–1187, 69 Fed. Reg. 19123. May 10, 2004
- MBA Comment Letter to the Federal Trade Commission on FACTA Free File Disclosures Proposed Rule, Matter No. R411005 69 Fed. Reg. 13192. April 16, 2004
Federal Legislation and Proposed and Final Regulations for Real Estate Finance
- Federal Trade Commission Request for Public Comment on Data, Studies, or Other Evidence Related to the Effects of Credit Scores and Credit-Based Insurance Scores on the Availability and Affordability of Financial Products. April 25, 2005.
- Federal Reserve Report to the Congress on Further Restrictionson Unsolicited Written Offers of Credit and Insurance. December 2004
- Letter from OTC, OTS, FDIC, the Fed and NCUA to the American Bankers Association on FACT Act Compliance Dates. November 24, 2004
- Federal Trade Commission Proposed Rule Related Identity Theft Definitions, Duration of Active Duty Alerts, and Appropriate Proof of Identity Under the Fair Credit Reporting Act, RIN 3084–AA94. November 3, 2004
- Federal Trade Commission Proposed Rule on Pre-Screen Opt Out Disclosure. October 1, 2004.
- Federal Reserve Proposed Rule on Fair Credit Reporting Affiliate Marketing Regulations (Regulation V; Docket No. R-1203). July 30, 2004
- Federal Trade Commission Request for Public Comment to Aid Staff in Preparing the FACT Act Section 318(a)(2)(C) Study. July 16, 2004
- Federal Reserve Revisions to Regulation V, Which Add Model Notices That Financial Institutions May Use to Comply With the Notice Requirement Relating to Furnishing Negative Information Contained In Section 217 of the FACT Act. June 15, 2004
- Federal Trade Commission Request for Public Comment To Aid Staff in Preparing the FACT Act Section 318(a)(2)(C) Study. June 15, 2004
- FTC Proposed Rule on Affiliate Marketing. June 15, 2004
- Proposed Rule by OCC, OTS, the Fed, and FDIC on Proper Disposal of Consumer Information under the Fair and Accurate Credit Transactions Act of 2003. April 27, 2004
Litigation
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Mortgage Action Alliance (MAA)
Empower yourself with the political skills necessary to advocate issues affecting your bottom-line and the real estate finance industry. |
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