02672nam 2200577Ia 450 991077744060332120230617002408.00-8157-9606-4(CKB)1000000000446788(EBL)3004393(OCoLC)830511288(SSID)ssj0000155055(PQKBManifestationID)12046562(PQKBTitleCode)TC0000155055(PQKBWorkID)10112890(PQKB)10823595(OCoLC)1132223228(MdBmJHUP)muse73204(Au-PeEL)EBL3004393(CaPaEBR)ebr10063857(MiAaPQ)EBC3004393(EXLCZ)99100000000044678820041014d2003 my 0engur|n|---|||||txtccrFinancial privacy, consumer prosperity, and the public good[electronic resource] /Fred H. Cate ... [et al.]Washington, D.C. AEI-Brookings Joint Center for Regulatory Studies20031 online resource (69 p.)Description based upon print version of record.0-8157-1317-7 Includes bibliographical references.The U.S. credit reporting system and the Fair Credit Reporting Act -- The impact of a robust national credit reporting system -- Preemption in credit reporting -- What is at risk if preemption expires? -- Recommendations and conclusion.A Brookings Institution Press and American Enterprise Institute publication American consumers have become accustomed to obtaining instant credit. The process requires that credit bureaus have easy access to sensitive financial information about individuals, compiled largely without their consent. This report examines the debate surrounding the role of the states in regulating these credit bureaus, especially in light of expiring amendments to the Fair Credit Reporting Act, which have allowed bureaus to continue these practices, exempting them from state laws that might obstruct them. How thisCredit bureausLaw and legislationUnited StatesConsumer creditLaw and legislationUnited StatesPre-emptionUnited StatesCredit bureausLaw and legislationConsumer creditLaw and legislationPre-emption346.7307/3Cate Fred H532192MiAaPQMiAaPQMiAaPQBOOK9910777440603321Financial privacy, consumer prosperity, and the public good3759015UNINA