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Supreme Court: Federal Agencies Can be Sued Under Fair Credit Reporting Act

On February 8, the Supreme Court held that the FCRA waives federal sovereign immunity from FCRA damage claims when federal agencies furnish inaccurate information to consumer reporting agencies. This article examines the broader implications—other FCRA claims against federal agencies, FCRA claims against state and local agencies, and which other consumer statutes waive sovereign immunity.

Two New CFPB Advisory Opinions Facilitate Private FCRA Litigation

Effective January 23, 2024, two new CFPB advisory opinions clarify a number of critical Fair Credit Reporting Act (FCRA) issues and should facilitate private FCRA litigation. The first advisory opinion addresses accuracy issues in background check reports used by most employers and landlords. The second advisory opinion addresses problems consumers face when seeking complete disclosure of their credit reports.

More Articles from NCLC

Read more recent developments and archived articles from the National Consumer Law Center.

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stack of books in the NCLC Consumer Law Practice Series that pertain to housing: Home Foreclosures, Mortgage Servicing and Loan Modifications, and Mortgage Lending

NCLC has compiled resources for advocates navigating trending subjects in consumer law. Resources include free NCLC articles, written submissions from past NCLC conferences free to the consumer law community, links to relevant NCLC treatise material, pleadings and discovery, and more. Most of the resources are free to the public or free to the consumer law community. View NCLC's aggregated lists of resources on the NCLC Digital Library



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Policy and analysis, statutes and regulations, sample pleadings, court decisions, and more - all publicly accessible on the NCLC Digital Library.