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Think twice before bringing "stand-alone disclosure requirement" cases
In addition to creating a mechanism for consumers to reliably dispute and fix errors on consumer reports, the FCRA also contains a number of disclosure…
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Timothy Hiller
CFPB Seeking Commentary on Tenant Screening Industry
Is the CFPB poised to reign in a rapidly expanding, increasingly harmful industry?
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Timothy Hiller
E.D.Mich. gives creditors the green light to "charge off" your account if your co-borrower files for bankruptcy
According to Experian, when a creditor reports an account as “charged off” that entry will remain on the consumer’s account for seven years, and will…
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Timothy Hiller
FICO 10T and VantageScore 4.0: What you need to know
Back in October of 2022, the Federal Housing Finance Association announced that it would require the FICO 10T credit score model and the Vandgaurd 4.0…
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Timothy Hiller
Consumers lodge victory in FCRA standing showdown over diminution in credit scores
Despite a 2021 2nd Circuit decision to the contrary, a district court holds that diminution in credit score confers Article III standing
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Timothy Hiller
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FCRA Today
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