What is the role of the FTC and Background Checks?
The Federal Trade Commission (FTC) is the federal agency which used to be responsible for enforcing the Fair Credit Reporting Act (FCRA), but is not any more. That enforcement role has been taken over by the Consumer Financial Protection Bureau (CFPB).
However, in the time when the FTC was enforcing the FCRA, it issued a number of important letters making clear how the provisions of the FCRA should be interpreted. While the federal government is involved in some enforcement actions regarding the FCRA, the FCRA can also be enforced by private citizens through individual and class action lawsuits. If you believe you have a potential claim under the FCRA, please contact us.
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