Fair and Accurate Credit Transactions Act of 2003

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The Act which amends the Fair Credit Reporting Act, provides consumers with protections regarding credit reports and other centralized databases of consumer information. The changes improve ways that consumers can increase the accuracy of credit reports, help prevent identity theft, allow consumers to receive a free credit report every year, and restrict the marketing of financial products resulting from the sharing of sensitive information.

Fair and Accurate Credit Transactions Act of 2003

This website contains the full-text of the Fair and Accurate Credit Transactions Act of 2003. Learn More>>

Facts on FACTA

This guide provides facts on the Fair and Accurate Credit Transactions Act (FACTA). Learn More>>

Disposal Rule of FACTA

This guide provides information on the Disposal rule, part of the FACTA, which requires businesses and individuals to judiciously dispose of sensitive information from consumer reports. Learn More>>

Final Rules on Identity Theft Red Flags and Notices of Address Discrepancy

Under the Red Flags Rules, financial institutions and creditors must develop and implement a written Identity Theft Prevention Program. The Program must also describe appropriate responses that would prevent and mitigate the crime and detail a plan to update the Program. Learn More>>

Federal Trade Commission Launches Red Flags Web site

Entities covered under the Red Flags Rule can now access resources to guide in the design and implementation of identity theft prevention programs. Learn More>>