The role of FCRA in the credit granting process: hearing before the Subcommittee on Financial Institutions and Consumer Credit of the Committee on Financial Services, U.S. House of Representatives, One Hundred Eighth Congress, first session, June 12, 2003 |
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ability accounts accuracy accurate affiliate sharing American borrowers Chairman BACHUS Citibank Citigroup community banks companies CONGRESS THE LIBRARY consumer credit consumer reporting agencies consumer's credit cost of credit credit bureaus credit card industry credit decisions credit file Credit Granting Process credit history credit information Credit Reporting Act credit reporting agencies credit reporting system credit risk credit score credit system credit unions creditors customers disclosure dispute Fair Credit Reporting Fannie Mae Fargo FCRA fees financial institutions financial services fraud furnishers GAMBILL grantors identity theft impact important increase information sharing interest rates issue laws lenders LIBRARY OF CONGRESS loan million Mortgage Bankers Association mortgage brokers mortgage lending MOSKOWITZ national credit reporting offer payment percent preemption preemption provisions prescreening reauthorize reinvestigation report information requirements Role of FCRA Rubén Hinojosa Sanders scoring models Subcommittee on Financial subprime sumers Thank TIBERI TransUnion
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Page 198 - The National Association of Federal Credit Unions (NAFCU) is the only national organization exclusively representing the interests of the nation's federally chartered credit unions. NAFCU is comprised of approximately 900 federal credit unions - financial institutions from across the nation - representing approximately 24 million individual credit union members.
Page 1 - US HOUSE OF REPRESENTATIVES, SUBCOMMITTEE ON FINANCIAL INSTITUTIONS AND CONSUMER CREDIT, COMMITTEE ON FINANCIAL SERVICES, Washington, DC The subcommittee met, pursuant to call, at 10:04 am, in Room 2128, Rayburn House Office Building, Hon.
Page 117 - Good name in man and woman, dear my lord, Is the immediate jewel of their souls : Who steals my purse, steals trash ; 'tis something, nothing ; 'Twas mine, 'tis his, and has been slave to thousands : But he that filches from me my good name Robs me of that which not enriches him, And makes me poor indeed, Oth.
Page 80 - ... extend access to affordable housing to all Americans MBA promotes fair and ethical lending practices and fosters excellence and technical know-how among real estate finance professionals through a wide range of educational programs and technical publications. Its membership of approximately...
Page 80 - Headquartered in Washington, DC, the association works to ensure the continued strength of the nation's residential and commercial real estate markets, to expand homeownership...
Page 109 - For the past 25 years, I have studied, reported on and published on a wide range of privacy issues, including credit, medical, employment, Internet, communications and government records. I have authored books about privacy and the Freedom of Information Act. I have served as an expert witness in litigation, and as an expert consultant for government agencies and corporations.
Page 198 - Americans, many of whom would otherwise have no access to credit. Congress established credit unions as an alternative to banks and to fill a precise public need — a niche that credit unions fill today for over 82 million Americans.
Page 198 - NAFCU is comprised of almost 800 federal credit unions — member owned financial institutions across the nation — representing nearly 26 million individual credit union members. NAFCU-member credit unions collectively account for approximately two-thirds of the assets of all federal credit unions. NAFCU and the entire credit union community appreciate this opportunity to participate in this discussion regarding regulatory relief for America's financial institutions.
Page 198 - As owners of cooperative financial institutions united by a common bond, all credit union members have an equal say in the operation of their credit union — "one member, one vote" — regardless of the dollar amount members have on account.
Page 198 - Every credit union is, by statute and practice, a cooperative association organized "for the purpose of promoting thrift among its members and creating a source of credit for provident or productive purposes.