FAIR CREDIT REPORTING ACT https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=&cad=rja&uact=8&ved=2ahUKEwi81pe7nfryAhWxc98KHVLoBkcQFnoECBcQAQ&url=https%3A%2F%2Fwww.ffiec.gov%2Fexam%2FInfoBase%2Fdocuments%2F02-con-fair_credit_reporting_act-000799.pdf&usg=AOvVaw2FgU0snXcZPDVonSMP1rf-