LEADER 02706nam 2200589Ia 450 001 9910451319703321 005 20200520144314.0 010 $a0-8157-9606-4 035 $a(CKB)1000000000446788 035 $a(EBL)3004393 035 $a(OCoLC)830511288 035 $a(SSID)ssj0000155055 035 $a(PQKBManifestationID)12046562 035 $a(PQKBTitleCode)TC0000155055 035 $a(PQKBWorkID)10112890 035 $a(PQKB)10823595 035 $a(MiAaPQ)EBC3004393 035 $a(OCoLC)1132223228 035 $a(MdBmJHUP)muse73204 035 $a(Au-PeEL)EBL3004393 035 $a(CaPaEBR)ebr10063857 035 $a(EXLCZ)991000000000446788 100 $a20041014d2003 my 0 101 0 $aeng 135 $aur|n|---||||| 181 $ctxt 182 $cc 183 $acr 200 00$aFinancial privacy, consumer prosperity, and the public good$b[electronic resource] /$fFred H. Cate ... [et al.] 210 $aWashington, D.C. $cAEI-Brookings Joint Center for Regulatory Studies$d2003 215 $a1 online resource (69 p.) 300 $aDescription based upon print version of record. 311 $a0-8157-1317-7 320 $aIncludes bibliographical references. 327 $aThe 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. 330 $aA 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 this 606 $aCredit bureaus$xLaw and legislation$zUnited States 606 $aConsumer credit$xLaw and legislation$zUnited States 606 $aPre-emption$zUnited States 608 $aElectronic books. 615 0$aCredit bureaus$xLaw and legislation 615 0$aConsumer credit$xLaw and legislation 615 0$aPre-emption 676 $a346.7307/3 701 $aCate$b Fred H$0532192 801 0$bMiAaPQ 801 1$bMiAaPQ 801 2$bMiAaPQ 906 $aBOOK 912 $a9910451319703321 996 $aFinancial privacy, consumer prosperity, and the public good$92453941 997 $aUNINA