Below are links to PDF files for the FCRA, the FACT Act and the dates
of the effective dates of the various
The FACT Act is a separate act from the FCRA (Fair Credit Reporting
Act). However the FCRA, as signed
into law in December 2003, contains the provisions of the FACT Act.
If you have any questions on either the FACT Act or the FCRA, please
Fair Credit Reporting