Fair Credit Reporting Act

The FCRA governs the collection, accuracy, and use of consumer report information. It limits who may obtain reports and for what purposes, requires accuracy procedures and dispute handling, and gives consumers rights to their files, free credit freezes, and adverse action notices. The Homebuyers Privacy Protection Act (effective March 4, 2026) restricts mortgage 'trigger leads'; the CFPB's 2025 medical debt rule was vacated in July 2025.