{
  "id": "RS21449",
  "type": "CRS Report",
  "typeId": "REPORTS",
  "number": "RS21449",
  "active": false,
  "source": "EveryCRSReport.com, University of North Texas Libraries Government Documents Department",
  "versions": [
    {
      "source": "EveryCRSReport.com",
      "id": 325344,
      "date": "2003-12-08",
      "retrieved": "2016-04-08T14:32:27.350544",
      "title": "Fair Credit Reporting Act: Preemption of State Law",
      "summary": "Generally, the Fair Credit Reporting Act (FCRA) only preempts state laws that are inconsistent\nwith\nthe federal law. However, there are a number of specific provisions of the Fair Credit Reporting Act\nunder which states may not enact laws that impose additional requirements or prohibitions. The\noriginal preemption provisions were set to expire at the end of 2003. After January 1, 2004, states\nwould have been able to enact laws relating to the areas currently addressed only under federal law. \nHowever, the recently enacted Fair and Accurate Credit Transactions Act of 2003 ( P.L. 108-159 )\nmakes permanent the current expiring preemptions and preempts certain state laws related to identity\ntheft. \n This report provides an overview of the Fair Credit Reporting Act's original preemption\nprovisions and discusses recently enacted legislation ( P.L. 108-159 ) making those preemptions\npermanent and creating new preemptions. This report (originally written by Angie A. Welborn,\nLegislative Attorney) will not be updated.",
      "type": "CRS Report",
      "typeId": "REPORTS",
      "active": false,
      "formats": [
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          "url": "http://www.crs.gov/Reports/pdf/RS21449",
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      ],
      "topics": []
    },
    {
      "source": "University of North Texas Libraries Government Documents Department",
      "sourceLink": "https://digital.library.unt.edu/ark:/67531/metacrs4074/",
      "id": "RS21449 2003-08-28",
      "date": "2003-08-28",
      "retrieved": "2005-06-11T00:26:17",
      "title": "Fair Credit Reporting Act: Preemption of State Law",
      "summary": "As financial privacy issues are debated in Congress, numerous questions about the Fair Credit Reporting Act (FCRA) have emerged. Enacted in 1970, the Fair Credit Reporting Act is the federal statute that establishes a regulatory framework for credit reporting in the United States and establishes a consumer\u2019s rights with respect to his or her credit report. This report attempts to answer frequently asked questions about the Fair Credit Reporting Act.",
      "type": "CRS Report",
      "typeId": "REPORT",
      "active": false,
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          "format": "PDF",
          "filename": "files/20030828_RS21449_4ecc20900c1a0eab7f6f77b8d9e02852bb945e34.pdf"
        },
        {
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          "filename": "files/20030828_RS21449_4ecc20900c1a0eab7f6f77b8d9e02852bb945e34.html"
        }
      ],
      "topics": [
        {
          "source": "LIV",
          "id": "Consumers",
          "name": "Consumers"
        },
        {
          "source": "LIV",
          "id": "Fair Credit Reporting Act - U.S.",
          "name": "Fair Credit Reporting Act - U.S."
        },
        {
          "source": "LIV",
          "id": "Federal-state relations",
          "name": "Federal-state relations"
        },
        {
          "source": "LIV",
          "id": "Consumer protection - Law and legislation",
          "name": "Consumer protection - Law and legislation"
        },
        {
          "source": "LIV",
          "id": "Sate and Local Government",
          "name": "Sate and Local Government"
        }
      ]
    }
  ],
  "topics": []
}