House Rpt.108-396 - FAIR AND ACCURATE CREDIT TRANSACTIONS ACT, 2003
Table of Contents
Beginning
SECTION 1. SHORT TITLE; TABLE OF CONTENTS.
SEC. 2. DEFINITIONS.
SEC. 3. EFFECTIVE DATES.
TITLE I--IDENTITY THEFT PREVENTION AND CREDIT HISTORY RESTORATION
Subtitle A--Identity Theft Prevention
SEC. 111. AMENDMENT TO DEFINITIONS.
SEC. 112. FRAUD ALERTS AND ACTIVE DUTY ALERTS.
`Sec. 605A. Identity theft prevention; fraud alerts and active duty alerts
SEC. 113. TRUNCATION OF CREDIT CARD AND DEBIT CARD ACCOUNT NUMBERS.
SEC. 114. ESTABLISHMENT OF PROCEDURES FOR THE IDENTIFICATION OF POSSIBLE INSTANCES OF IDENTITY THEFT.
SEC. 115. AUTHORITY TO TRUNCATE SOCIAL SECURITY NUMBERS.
Subtitle B--Protection and Restoration of Identity Theft Victim Credit History
SEC. 151. SUMMARY OF RIGHTS OF IDENTITY THEFT VICTIMS.
SEC. 152. BLOCKING OF INFORMATION RESULTING FROM IDENTITY THEFT.
`Sec. 605B. Block of information resulting from identity theft
SEC. 153. COORDINATION OF IDENTITY THEFT COMPLAINT INVESTIGATIONS.
SEC. 154. PREVENTION OF REPOLLUTION OF CONSUMER REPORTS.
SEC. 155. NOTICE BY DEBT COLLECTORS WITH RESPECT TO FRAUDULENT INFORMATION.
SEC. 156. STATUTE OF LIMITATIONS.
`Sec. 618. Jurisdiction of courts; limitation of actions
SEC. 157. STUDY ON THE USE OF TECHNOLOGY TO COMBAT IDENTITY THEFT.
TITLE II--IMPROVEMENTS IN USE OF AND CONSUMER ACCESS TO CREDIT INFORMATION
SEC. 211. FREE CONSUMER REPORTS.
`Sec. 629. Corporate and technological circumvention prohibited
SEC. 212. DISCLOSURE OF CREDIT SCORES.
`NOTICE TO THE HOME LOAN APPLICANT
SEC. 213. ENHANCED DISCLOSURE OF THE MEANS AVAILABLE TO OPT OUT OF PRESCREENED LISTS.
SEC. 214. AFFILIATE SHARING.
`Sec. 624. Affiliate sharing
SEC. 215. STUDY OF EFFECTS OF CREDIT SCORES AND CREDIT-BASED INSURANCE SCORES ON AVAILABILITY AND AFFORDABILITY OF FINANCIAL...SEC. 216. DISPOSAL OF CONSUMER REPORT INFORMATION AND RECORDS.
`Sec. 628. Disposal of records
SEC. 217. REQUIREMENT TO DISCLOSE COMMUNICATIONS TO A CONSUMER REPORTING AGENCY.
TITLE III--ENHANCING THE ACCURACY OF CONSUMER REPORT INFORMATION
SEC. 311. RISK-BASED PRICING NOTICE.
SEC. 312. PROCEDURES TO ENHANCE THE ACCURACY AND INTEGRITY OF INFORMATION FURNISHED TO CONSUMER REPORTING AGENCIES.
SEC. 313. FTC AND CONSUMER REPORTING AGENCY ACTION CONCERNING COMPLAINTS.
SEC. 314. IMPROVED DISCLOSURE OF THE RESULTS OF REINVESTIGATION.
SEC. 315. RECONCILING ADDRESSES.
SEC. 316. NOTICE OF DISPUTE THROUGH RESELLER.
SEC. 317. REASONABLE REINVESTIGATION REQUIRED.
SEC. 318. FTC STUDY OF ISSUES RELATING TO THE FAIR CREDIT REPORTING ACT.
SEC. 319. FTC STUDY OF THE ACCURACY OF CONSUMER REPORTS.
TITLE IV--LIMITING THE USE AND SHARING OF MEDICAL INFORMATION IN THE FINANCIAL SYSTEM
SEC. 411. PROTECTION OF MEDICAL INFORMATION IN THE FINANCIAL SYSTEM.
SEC. 412. CONFIDENTIALITY OF MEDICAL CONTACT INFORMATION IN CONSUMER REPORTS.
TITLE V--FINANCIAL LITERACY AND EDUCATION IMPROVEMENT
SEC. 511. SHORT TITLE.
SEC. 512. DEFINITIONS.
SEC. 513. ESTABLISHMENT OF FINANCIAL LITERACY AND EDUCATION COMMISSION.
SEC. 514. DUTIES OF THE COMMISSION.
SEC. 515. POWERS OF THE COMMISSION.
SEC. 516. COMMISSION PERSONNEL MATTERS.
SEC. 517. STUDIES BY THE COMPTROLLER GENERAL.
SEC. 518. THE NATIONAL PUBLIC SERVICE MULTIMEDIA CAMPAIGN TO ENHANCE THE STATE OF FINANCIAL LITERACY.
SEC. 519. AUTHORIZATION OF APPROPRIATIONS.
TITLE VI--PROTECTING EMPLOYEE MISCONDUCT INVESTIGATIONS
SEC. 611. CERTAIN EMPLOYEE INVESTIGATION COMMUNICATIONS EXCLUDED FROM DEFINITION OF CONSUMER REPORT.
TITLE VII--RELATION TO STATE LAWS
SEC. 711. RELATION TO STATE LAWS.
TITLE VIII--MISCELLANEOUS
SEC. 811. CLERICAL AMENDMENTS.
JOINT EXPLANATORY STATEMENT OF THE COMMITTEE OF CONFERENCE