04-EA-16: FTC: Providing Credit Reports to Consumers Who Experience Adverse Action

Section 318(a) of the Fair and Accurate Credit Transactions Act (FACT Act) requires the Federal Trade Commission (Commission) to conduct a study on the effects of requiring a creditor or a credit bureau to provide a consumer who has experienced an adverse action based on a credit report with a copy of the same credit report that was relied on in taking the adverse action.

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