Fair Credit Reporting Laws
The Fair Credit Reporting Act (FCRA) is an American federal law (codified at 15 U.S.C. ยง 1681 et seq.)
that regulates the collection, dissemination, and use of consumer credit information.
Along with the Fair Debt Collection Practices Act (FDCPA), it forms the base of consumer credit rights in
the United States. It was originally passed in 1970,[1] and is enforced by the US Federal Trade Commission.
Source
http://en.wikipedia.org/wiki/Fair_Credit_Reporting_Act