FCRA / FACTA Training

Included with Regulatory Basics course
AI authoring tools for easy customization
Additional languages available
Meets accessibility standards
Auto-save training, mobile-friendly
Deliver on Ethena or your LMS (SCORM)

Course Summary

This course introduces employees to the Fair Credit Reporting Act (FCRA) and the Fair and Accurate Credit Transactions Act (FACTA), highlighting how these laws impact the use of credit information in the workplace. Learners will explore what these laws cover, who they apply to, and what rights and responsibilities exist around credit reporting. Through practical scenarios and clear takeaways, the course reinforces how these laws protect consumers and what businesses must do to stay compliant—especially when handling credit checks for hiring or responding to identity theft.

Included Modules:

What Are FCRA and FACTA?

Introduces the Fair Credit Reporting Act and its amendment FACTA, the US laws governing how consumer credit information is collected, used, and shared.

Who Needs to Follow These Laws?

Explains which parties FCRA and FACTA cover, from credit reporting agencies to the lenders, employers, and others who furnish or use consumer reports.

Know Your Rights and Responsibilities

Covers the rights FCRA and FACTA give consumers and the duties placed on businesses that pull, supply, or act on consumer credit reports.

Accuracy, Privacy, and Fixing Mistakes

Looks at FCRA and FACTA rules for keeping credit data accurate and private, plus the dispute process consumers use to correct reporting errors.

FCRA and FACTA Violations

Reviews common FCRA and FACTA violations and the penalties, lawsuits, and enforcement actions that follow when these credit reporting rules are broken.

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