Corporate Screening is a consumer reporting agency and our products and services are governed by a number of Laws and Acts including but not limited to the Federal Fair Credit Reporting Act (FCRA), the Drivers Privacy Protection Act (DPPA), the Fair and Accurate Credit Transactions Act of 2003 (FACT ACT) and any and all state and local law that governs the reporting of personal, criminal or financial information.
Before you engage the services of CS, its affiliates or any other business information service, please review the content of the federal Fair Credit Reporting Act (FCRA), and the laws for your state and locality as they may differ from federal law. The laws and ordinances of your state may affect your ability to utilize our services.
DPPA
The Driver's Privacy Protection Act (DPPA) is a federal law that regulates how the DMV releases and shares the information in DMV records. The DPPA regulates how motor vehicle departments release driver records and vehicle records. The DPPA also regulates how a recipient of DMV records can share information with another person.
FCRA
The Fair Credit Reporting Act (FCRA), enforced by the Federal Trade Commission, is designed to promote accuracy and ensure the privacy of the information used in consumer reports. Recent amendments to the Act expand your rights and place additional requirements on CRAs. Businesses that supply information about you to CRAs and those that use consumer reports also have new responsibilities under the law.
FACT Act
The FACT Act was signed into law by President Bush in December 2003. Officially titled the Fair and Accurate Credit Transactions Act of 2003, the FACT Act incorporates and extends the Fair Credit Reporting Act (FCRA), which had preemption provisions due to expire in December 2003.
The new Act also aims to:
Prevent identity theft, Improve the resolution of consumer disputes, Improve the accuracy of consumer records, and Make improvements in the use of, and consumer access to, credit information.
State Laws
Some States may have their own restrictive versions of the FCRA, DPPA or other Privacy Laws. We recommend that companies wishing to establish national or local screening program consult with a legal council specializing in FCRA and other related issues.