Statute
FCRA
498 published works
Consumer Financial Services Law Monitor
Third Circuit Finds No Exception Under FCRA for a Furnisher’s Failure to Investigate “Frivolous” Indirect Dispute
By David N. Anthony, Kevin Craig, Stefanie Jackman, Carter Nichols, Ethan G. Ostroff, Alan D. Wingfield
The Third Circuit Court of Appeals overruled a district court's reading of an exception into §1681s-2(b) of the Fair Credit Reporting Act (FCRA) that would allow a furnisher discretion to…
Consumer Finance Monitor
CFPB Launches FCRA Rulemaking to Eliminate Creditor Use of Medical Debt
By Kristen E. Larson, John L. Culhane, Jr., Reid F. Herlihy, Ballard CFS Group
On September 21, 2023, with limited time to digest the comments received by September 11, 2023 from the request for information regarding medical payment products, the Consumer Financial Protection Bureau…
Consumer Financial Services Law Monitor
CFPB’s Rulemaking Under the FCRA (Part 3) – Crossover Episode With FCRA Focus Podcast
By David M. Gettings, Chris Willis, Ethan G. Ostroff, Kim Phan, Ronald I. Raether, Jr.
Join us for the third episode in a special three-part series covering the CFPB's intention to propose new rules under the Fair Credit Reporting Act (FCRA). In this episode, Troutman…
Consumer Financial Services Law Monitor
CFPB’s Rulemaking Under the FCRA (Part 3) – Crossover Episode With The Consumer Finance Podcast
By David M. Gettings, Chris Willis, Ethan G. Ostroff, Kim Phan, Ronald I. Raether, Jr.
Join us for the third episode in a special three-part series covering the CFPB's intention to propose new rules under the Fair Credit Reporting Act (FCRA). In this episode, Troutman…
Consumer Financial Services Law Monitor
CFPB’s Rulemaking Under the FCRA (Part 2) – Crossover Episode With FCRA Focus Podcast
By David M. Gettings, Chris Willis, Ethan G. Ostroff, Kim Phan, Ronald I. Raether, Jr.
Join us for the second episode in a special three-part series covering the CFPB's intention to propose new rules under the Fair Credit Reporting Act (FCRA). In this episode, Troutman…
Consumer Financial Services Law Monitor
FCRA Claim for “Misleading” Double-Reporting of Debt by Original Creditor and Collection Agency Survives Motion to Dismiss
By Mark J. Windham, Stefanie Jackman, David N. Anthony
In Hansen v. Mountain America Federal Credit Union, the plaintiff became delinquent on a credit card account with her credit union. The credit union then assigned the debt to a…
Consumer Finance Monitor
This week’s podcast episode: Responding to direct and indirect identity theft disputes under the FCRA: What are the differences?
We first review the Fair Credit Reporting Act provisions that establish the different requirements for how a creditor or other furnisher of information to a credit bureau must respond to…
Consumer Financial Services Law Monitor
CFPB’s Rulemaking Under the FCRA – Crossover Episode With The Consumer Finance Podcast
By David M. Gettings, Chris Willis, Ethan G. Ostroff, Kim Phan, Jennifer Ciccarelli
Join us for the first episode in a special three-part series covering the CFPB's intention to propose new rules under the Fair Credit Reporting Act (FCRA). In this episode, Troutman…
Consumer Financial Services Law Monitor
July Consumer Litigation Filings: Mixed Bag
By David N. Anthony, Alan D. Wingfield
According to a recent report by WebRecon, court filings under the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) were slightly up while filings under the…
Consumer Financial Services Law Monitor
Homeowner Files Cert Petition Over Whether an HOA Assessment Qualifies as a “Credit Transaction” under the FCRA
By David N. Anthony, Chris Capurso, Alan D. Wingfield
The U.S. Supreme Court has been asked to decide whether a homeowner association (HOA) assessment constitutes a "credit transaction" under the Fair Credit Reporting Act (FCRA), which would open up…