FCRA: Fair Credit Reporting Act - Federal law governing the collection, dissemination, and use of consumer credit information
FACTA: Fair and Accurate Credit Transactions Act - Amendment to FCRA that provides additional consumer protections regarding identity theft and credit reporting
GLBA: Gramm-Leach-Bliley Act - Federal law requiring financial institutions to explain their information-sharing practices and protect sensitive data
HIPAA: Health Insurance Portability and Accountability Act - Federal law protecting sensitive patient health information from being disclosed without consent
GDPR: General Data Protection Regulation - EU regulation that may apply if handling data of EU residents, requiring specific data protection and privacy measures
CCPA: California Consumer Privacy Act - State law providing California residents with rights regarding their personal information and imposing obligations on businesses
State Breach Laws: Various state-specific laws requiring notification of data breaches to affected individuals and sometimes state authorities
FTC Regulations: Federal Trade Commission regulations governing unfair or deceptive practices in commerce, including data privacy and security
CFPB Guidelines: Consumer Financial Protection Bureau guidelines for handling consumer financial data and ensuring compliance with consumer protection laws
Data Quality Standards: Requirements for ensuring accuracy, completeness, and timeliness of furnished data
Security Requirements: Technical and organizational measures required to protect data during transmission, storage, and processing
Dispute Resolution: Procedures for handling consumer disputes regarding data accuracy and completeness
Breach Notification: Requirements and timeframes for notifying affected parties and authorities in case of data breaches
Audit Rights: Provisions allowing for periodic audits to ensure compliance with data furnishing requirements and security standards
Insurance Requirements: Specifications for types and amounts of insurance coverage required for data-related risks
