Statute
FCRA
498 published works
Consumer Financial Services Law Monitor
Impending FCRA Data Broker Rulemaking Announced by CFPB Director Chopra at White House Data Broker Roundtable
By David M. Gettings, Cindy D. Hanson, Stefanie Jackman, Ethan G. Ostroff, Kim Phan, Ronald I. Raether, Jr., Tim J. St. George, Chris Willis, Alan D. Wingfield, Chris Capurso
At a White House Roundtable on protecting Americans from allegedly harmful "data broker" practices, Consumer Financial Protection Bureau (CFPB or Bureau) Director Rohit Chopra announced the Bureau's intention to expand…
Consumer Financial Services Law Monitor
Kentucky Federal Court Holds Furnishing Data to Consumer Reporting Agency Does Not Subject Furnisher to Personal Jurisdiction in Consumer’s Home State
By David N. Anthony, Stefanie Jackman
A United States district court in Kentucky recently granted defendants' motion to dismiss a case arising under the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA)…
Consumer Financial Services Law Monitor
Consumer Litigation Filings Back Down in June
By David N. Anthony, Alan D. Wingfield
According to a recent report by WebRecon, court filings under the Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), and the Telephone Consumer Protection Act (TCPA) were…
TCPA Defense Force Blog
Milgram v. Chase Bank USA, N.A.: Eleventh Circuit Holds Furnisher’s Investigation Was Reasonable, Despite Evidence That Plaintiff’s Employee Had Been Convicted For Incurring The Disputed Charges
By tomio-naritawbd-us-com-tomio-narita
Does a furnisher always have reach the “right” answer when it investigates a consumer’s credit reporting dispute? Or does the furnisher just have to engage in a “reasonable” investigation of…
Hunton Insurance Recovery Blog
“Catch-All” Can’t Catch ‘Em All: Seventh Circuit Finds Coverage for a BIPA Claim Despite Catch-All Provision in Policy’s Statutory Violation Exclusion
By Rachel E. Hudgins, Syed S. Ahmad
When is a catch-all provision too broad? When “a plain-text reading of that provision would swallow a substantial portion of the coverage that the policy otherwise explicitly purports to provide,”…
Consumer Financial Services Law Monitor
May Report Reveals a Big Monthly Jump in Consumer Litigation Filings
By David N. Anthony, Alan D. Wingfield
According to a recent report by WebRecon, the month of May saw a jump significant from the previous month in filings under the Fair Credit Reporting Act (FCRA), Fair Debt…
Consumer Financial Services Law Monitor
Ninth Circuit Rejects Constitutional Challenge to Nevada Medical Debt Legislation; Also Finds Legislation Not Preempted by FDCPA or FCRA
By Joshua Howell, Stefanie Jackman, Ethan G. Ostroff, David N. Anthony
Last week, the Ninth Circuit Court of Appeals affirmed a lower court's denial of preliminary injunctive relief to plaintiffs challenging Nevada Senate Bill 248 (S.B. 248), which places new restrictions…
Hunton Employment & Labor Perspectives
Compliance Update for U.S. Employers Conducting Criminal Background Checks in the Hiring Process
By Robert T. Quackenboss, Lukas Moffett
Employers who conduct background checks on applicants or employees must comply with the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq. Among other things, the FCRA requires…
Consumer Financial Services Law Monitor
Washington Federal Court Reiterates Distinction Between Furnishers’ and CRAs’ FCRA Investigatory Obligations and the Necessity of Alleging an Inaccuracy in a Consumer Report
By Ethan G. Ostroff, David N. Anthony, Zachary A. Turk
A district court in the Western District of Washington held that the Fair Credit Reporting Act (FCRA) does not require a consumer reporting agency (CRA), as part of its investigative…
Consumer Financial Services Law Monitor
Michigan Federal Court Summarily Dismisses FCRA Action Alleging Inaccurate Reporting of Charged-Off Auto Loan
By Joshua Howell, Meagan Mihalko, Stefanie Jackman
Earlier this month, a district court for the Eastern District of Michigan dismissed on its own initiative a Fair Credit Reporting Act (FCRA) claim brought by a consumer alleging inaccurate…