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作者 Cate, Fred H
書名 Financial Privacy, Consumer Prosperity, and the Public Good
出版項 Washington : Brookings Institution Press, 2003
©2003
國際標準書號 9780815796060 (electronic bk.)
9780815713173
book jacket
說明 1 online resource (71 pages)
text txt rdacontent
computer c rdamedia
online resource cr rdacarrier
附註 Front Cover -- Title Page -- Copyright Information -- Table of Contents -- Foreword -- Introduction -- The U.S. Credit Reporting System and the Fair Credit Reporting Act -- The Impact of a Robust National Credit Reporting System -- Preemption in Credit Reporting -- What Is at Risk If Preemption Expires? -- Recommendations and Conclusion -- Notes -- Back Cover
A Brookings Institution Press and American Enterprise Institute publication American consumers have become accustomed to obtaining instant credit. The process requires that credit bureaus have easy access to sensitive financial information about individuals, compiled largely without their consent. This report examines the debate surrounding the role of the states in regulating these credit bureaus, especially in light of expiring amendments to the Fair Credit Reporting Act, which have allowed bureaus to continue these practices, exempting them from state laws that might obstruct them. How this controversy is resolved will have an important bearing on credit markets and financial privacy in the future. The authors make the case for continued federal preemption of the states in this area. Without it, the authors argue, the consumer credit system has developed in the United States would be put in jeopardy
Description based on publisher supplied metadata and other sources
Electronic reproduction. Ann Arbor, Michigan : ProQuest Ebook Central, 2020. Available via World Wide Web. Access may be limited to ProQuest Ebook Central affiliated libraries
鏈接 Print version: Cate, Fred H. Financial Privacy, Consumer Prosperity, and the Public Good Washington : Brookings Institution Press,c2003 9780815713173
主題 Credit bureaus -- Law and legislation -- United States.;Consumer credit -- Law and legislation -- United States.;Pre-emption -- United States
Electronic books
Alt Author Litan, Robert E
Staten, Michael
Wallison, Peter J
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