Fair Credit Reporting Act (FCRA) Policy - $275.00


The purpose of this Fair Credit Reporting Act (FCRA) Policy Template is to address measures a financial institution must take to ensure adherence to the FCRA, as amended by The Fair and Accurate Credit Transactions Act (FACTA), to prevent the undue invasion of a consumer’s right to privacy in the process of collecting information and disseminating credit reports.

Table of Contents

Purpose and Contents - Topic 1
Policy Statement - Topic 2
Definitions - Topic 3
Structure of Accountability - Topic 4
Affiliate Marketing - Topic 5
Medical Information - Topic 6
Duties of Furnishers of Information - Topic 7
Duties of Users Regarding Obtaining and Using Consumer Reports - Topic 8
Duties of Users Regarding Risk Based Pricing - Topic 9
Identity Theft Program Policy - Topic 10
Obtaining Information and Sharing Among Affiliates - Topic 11
Disclosures to Consumers and Miscellaneous Requirements - Topic 12
Audit Policy - Topic 13
Staff Training - Topic 14
Retention of Documentation - Topic 15

*Includes the full text of our stand alone Identity Theft Program Policy Template.

Includes the FACTA/FCRA Final Rules:
Address Discrepancies/Examination
Affiliate Marketing/Examination
Credit Score Disclosures
Fraud and Active Duty Alerts
Identity Theft Program/Examination
Medical Information
New Credit Score Disclosure Requirements
Notice of Negative Information
Prescreen Opt-Out Notice
Promote Accurate Information About Consumers
Red Flag Procedures/Examination
Re-Pollution Procedures
Risk Based Pricing Notices

Includes the following form templates:
FCRA Model Forms for Firm Offers of Credit or Insurance (2 pages)
FCRA Model Forms for Opt-Out Notices (6 pages)
FCRA Model Notices of Furnishing Negative Information (1 page)
FCRA Risk Based Disclosure Forms (13 pages)
FCRA Summary of Consumer Identity Theft Rights (2 pages)
FCRA Summary of Consumer Rights (3 pages)
Identity Theft Affidavit Packet (9 pages)

This Fair Credit Reporting Act Policy Template (approximately 91 pages) is available to purchase from BankPolicies.com in Microsoft® Word format for $275.00.

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