Fair Credit Reporting Act (FCRA)
A 1970 federal statute governing consumer reports and the agencies that assemble them, imposing accuracy, dispute, and permissible-purpose duties. It reaches AI that scores consumers for credit, tenancy, insurance, or employment using third-party data, and can make an AI scoring vendor a consumer reporting agency, without ever mentioning AI.
Defined in 2 GAGE programs, which carry 2 distinct definitions of it. The wording above is taught in AI Governance: Applied Mastery.
How each discipline defines it
The same term does different work depending on who is using it. These are the definitions as each program teaches them, unedited.
A 1970 federal statute governing consumer reports and the agencies that assemble them, imposing accuracy, dispute, and permissible-purpose duties. It reaches AI that scores consumers for credit, tenancy, insurance, or employment using third-party data, and can make an AI scoring vendor a consumer reporting agency, without ever mentioning AI.
The federal law (15 U.S.C. Section 1681 and following, including Section 1681c-1 governing fraud alerts) that establishes consumer rights regarding credit reporting, including the fraud alert provisions taught in this topic and the credit freeze provisions taught in Topic 2.1. (see Topic 2.1)
Where it is taught
The exact lessons this term appears in. The first 7 topics of every program are free with a free account.
- The US mosaic: federal signals, state laws, and the agencies that already reach workplace AI · The World's Rulebooks, AI Governance: Applied Mastery
- Fraud alerts, and the notification a widow or widower should file · The Hardening Lab, Senior AI Scam Defense
Terms it appears with
Not an alphabetical neighbourhood: these are the terms taught in the same lessons, ranked by how often they appear together.