FAIR CREDIT REPORTING ACT,NOTE,BUDGET BILL,15 USC,CONGRESSIONAL,FINDINGS,STATEMENT OF PURPOSE,THE CONGRESS,BANKING,SYSTEM,DEPENDENT,FAIR,ACCURATE,CREDIT,REPORTING,CREDIT REPORTS,EFFICIENCY,UNFAIR,UNDERMINE,THE PUBLIC,CONFIDENCE,ESSENTIAL,MECHANISM,DEVELOPED,CREDIT WORTHINESS,STANDING,CAPACITY,CHARACTER,GENERAL,REPUTATION,CONSUMERS,CONSUMER,VITAL,ROLE,CONSUMER CREDIT,INFORMATION,NEED TO,INSURE,EXERCISE,GRAVE,IMPARTIALITY,RESPECT,THE CONSUMERS,RIGHT TO PRIVACY,PURPOSE,REASONABLE,MEETING,NEEDS,COMMERCE,PERSONNEL,INSURANCE,MANNER,CONFIDENTIALITY,ACCURACY,RELEVANCY,PROPER,UTILIZATION,ACCORDANCE,REQUIREMENTS,DEFINITIONS,RULES OF CONSTRUCTION,FORTH,SECTION,TERM,PERSON,MEANS,PARTNERSHIP,CORPORATION TRUST,ESTATE,COOPERATIVE,ASSOCIATION,GOVERNMENT,GOVERNMENTAL,SUBDIVISION,AGENCY,ENTITY,C,CONSUMER REPORT,WRITTEN,COMMUNICATION,CONSUMER REPORTING AGENCY,BEARING,PERSONAL,MODE,LIVING,COLLECTED,FACTOR,FAMILY,HOUSEHOLD,OR 2,EMPLOYMENT,OR 3,AUTHORIZED,REPORT,TRANSACTIONS,THE REPORT,AUTHORIZATION,ISSUER,CREDIT CARD,SIMILAR,DEVICE,THIRD PARTY,DECISION,WITH RESPECT TO,REQUEST,THE THIRD,PARTY,NAME,ADDRESS,WHOM,INTERVIEWS,NEIGHBORS,FRIENDS,ASSOCIATES,REPORTED,ACQUAINTED,SHALL,FACTUAL,CREDIT RECORD,CREDITOR,MONETARY,FEES,DUES,NONPROFIT,BASIS,THE PRACTICE,FURNISHING,CONSUMER REPORTS,PARTIES,USES,FACILITY,INTERSTATE COMMERCE,FILE,CONNECTION,THE INFORMATION,RETAINED,EMPLOYMENT PROMOTION,RETENTION,EMPLOYEE,MEDICAL,OR RECORDS,CONSENT,LICENSED,PHYSICIANS,MEDICAL PRACTITIONERS,HOSPITALS,CLINICS,RELATED,CIRCUMSTANCES,NO OTHER,IN RESPONSE,THE ORDER,COURT,JURISDICTION,ISSUE,ORDER,SUBPOENA,PROCEEDINGS,FEDERAL GRAND JURY,REASON TO BELIEVE,CREDIT TRANSACTION,REVIEW,COLLECTION,ACCOUNT,UNDERWRITING,LICENSE,BENEFIT,INSTRUMENTALITY,BY LAW,CONSIDER,FINANCIAL RESPONSIBILITY,STATUS,LEGITIMATE,BUSINESS,NEED,BUSINESS TRANSACTION,OBSOLETE,EXCEPT,SUBSECTION,CASES,TITLE 11 OF THE UNITED STATES,CODE,BANKRUPTCY ACT,DATE,ENTRY,RELIEF,ADJUDICATION,THE CASE,ANTEDATE,SUITS,JUDGMENTS,SEVEN YEARS,GOVERNING,STATUTE OF LIMITATIONS,EXPIRED,WHICHEVER,LONGER,PERIOD 3,PAID,TAX LIENS,PAYMENT,PROFIT AND LOSS,ARREST,INDICTMENT,CONVICTION,CRIME,DISPOSITION,RELEASE,PAROLE,ADVERSE,ITEM,PROVISIONS,INVOLVE,PRINCIPAL AMOUNT,FACE AMOUNT,THE EMPLOYMENT,ANNUAL SALARY,EQUAL,DISCLOSURE,FACT,PREPARATION,PROCURE,CAUSE,UNLESS,DISCLOSED,MADE IN,WRITING,THREE DAYS,STATEMENT,RIGHT,NATURE,SCOPE,INVESTIGATION,PROCURES,CAUSES,PERIOD OF TIME,RECEIPT,COMPLETE,THE NATURE AND SCOPE OF,THE INVESTIGATION,DAYS,LIABILITY,SHOWING,COMPLIANCE,FOR ANY,VIOLATION,SHOWS,PREPONDERANCE OF THE EVIDENCE,VIOLATIONS,LIMIT,THEMSELVES,CERTIFY,VERIFY,IDENTITY,USER,PRIOR,FOLLOW,MAXIMUM,POSSIBLE,NOTWITHSTANDING,RESPECTING,LIMITED,GOVERNMENTAL AGENCY,IDENTIFICATION OF,DISCLOSE,SUBSTANCE,FILES,SOURCES,ACQUIRED,ACTUALLY,THE EVENT,ACTION,AVAILABLE,PLAINTIFF,DISCOVERY,THE COURT,THE ACTION,PERIOD,MONTH,DO NOT,APPLY,INFORMATION RECEIVED,EFFECTIVE DATE,EXTENT,MATTER,INVOLVED,CONDITIONS,TIMES,NOTICE,NORMAL,BUSINESS HOURS,IN PERSON,APPEARS,IDENTIFICATION,TELEPHONE,THE TOLL,CHARGE,THE TELEPHONE CALL,TRAINED,EXPLAIN,PERSONS,ACCOMPANYING,ONE OTHER,CHOOSING,PERMISSION,DISCUSS,PRESENCE,PROCEEDING,DEFAMATION,INVASION OF PRIVACY,NEGLIGENCE,OR 61,FALSE,MALICE,INTENT,INJURE,PROCEDURE,CASE,DISPUTED,DISPUTE,RECORD,THE CURRENT,BELIEVE,FRIVOLOUS,VERIFIED,DELETE,CONTRADICTORY,ITSELF,RESOLVE,BRIEF,SETTING,STATEMENTS,ONE HUNDRED,WORDS,ASSISTANCE,CLEAR,SUMMARY,NOTIFICATION,FILED,QUESTION,CODIFICATION,DELETION,WHOSE,NOTATION,PORT,THE STATEMENT,DESIGNATED,MONTHS,RIGHTS,CHARGES,THIRTY DAYS,DEBT COLLECTION AGENCY,CREDIT RATING,IMPOSE,EXCEED,NO CHARGE,PUBLIC RECORD,REPORTS,MATTERS,ADVERSE EFFECT,ABILITY,NOTIFY,STRICT,UP TO DATE,PARAGRAPH,ARRESTS,CONVICTIONS,THE ITEM,THE PROCESS,DENIED,ADVISE,TAKEN,SUPPLY,REASONS,SIXTY,LEARNING,ALLEGED,SUBSECTIONS,CIVIL,WILLFULLY,REQUIREMENT,AMOUNT,EQUAL TO,SUM OF,ACTUAL DAMAGES,SUSTAINED,FAILURE,PUNITIVE DAMAGES,ENFORCE,COSTS,DETERMINED,NEGLIGENT,JURISDICTION OF,COURTS,LIMITATION OF ACTIONS,UNITED STATES DISTRICT COURT,AMOUNT IN CONTROVERSY,THE LIABILITY,DEFENDANT,MISREPRESENTED,MATERIAL,THE ESTABLISHMENT OF,DEFENDANTS,MISREPRESENTATION,FALSE PRETENSES,KNOWINGLY,FINED,IMPRISONED,ONE YEAR,OFFICERS,EMPLOYEES,OFFICER,FEDERAL TRADE COMMISSION,POWERS,THE FEDERAL,TRADE,COMMISSION,SUBJECT,COMMITTED,GOVERNMENT AGENCY,FUNCTIONS,PROHIBITION,PRACTICE,SECTION 5,SUBJECT TO,WHETHER,ENGAGED,JURISDICTIONAL,PROCEDURAL,THE POWER,RULES,FILING,PRODUCTION,DOCUMENTS,APPEARANCE,WITNESSES,TERMS AND CONDITIONS OF,ENTITLED,PRIVILEGES AND IMMUNITIES,TERMS,BODIES,SECTION 8,THE FEDERAL DEPOSIT INSURANCE,NATIONAL BANKS,FEDERAL,BRANCHES,FOREIGN,BANKS,THE OFFICE OF THE COMPTROLLER,CURRENCY,MEMBER,THE FEDERAL RESERVE,STATE,COMMERCIAL,LENDING,COMPANIES,OWNED,ORGANIZATIONS,SECTION 25,THE FEDERAL RESERVE ACT,BOARD OF GOVERNORS OF,CORPORATION,MEMBERS OF THE FEDERAL,RESERVE,THE BOARD OF DIRECTORS,THE DIRECTOR,THE OFFICE,THRIFT,SUPERVISION,SAVINGS ASSOCIATION,DEPOSITS,CREDIT UNION,ADMINISTRATOR OF,THE NATIONAL,ADMINISTRATION,ACTS,INTERSTATE COMMERCE COM