Volume 9, Edition 7, July 2013
 

This Month’s Challenge is sponsored by:



 
 
 
 

Correct!

The Answer is (B). Under Section 625(b)(1)(E), laws in effect prior to September 30, 1996 are not preempted by the FCRA.


Question:
Is a CRA required to follow a State's laws, which are inconsistent with requirements under the FCRA, related to what can be provided to its customers on a consumer report?

A. Yes.

B. Yes, but only if the State law was enacted prior to September 30, 1996.

C. No.

D. It depends on if the CRA is located in the State whose law is at issue.




 

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