Financial institutions have certain duties as users of consumer credit reports and furnishers of credit information to consumer reporting agencies. Does your organization have a plan for ensuring compliance with consumer protection and fair credit laws? Our Fair Credit Reporting Act Policy Manual summarizes requirements contained in the FCRA and the Fair and Accurate Credit Transactions Act, which both provide consumers with protection in the reporting and use of credit information.


The Fair Credit Reporting Act (FCRA) establishes a long list of requirements that financial institutions must follow when they collect, disseminate or use consumer credit information. This manual is designed to help mortgage brokers, lenders, and servicers establish fair credit policies and procedures related to the confidentiality, accuracy, and use of consumer reports as well as furnishing information to consumer reporting agencies in accordance with federal law. We outline mortgage industry participants’ responsibilities under the FCRA and FACTA, and include compliance checklists, model disclosures and a sample Identity Theft Program so your organization can start meeting its compliance obligations today.


  • Affordable one-time purchase price of $395.
  • Purchase of this Fair Credit Reporting Act Policy Manual requires a signed License Agreement. This template cannot be shared or sold.
  • After placing your order, you will be able to download your Fair Credit Reporting Act Policy Manual in an editable Microsoft Word format.
  • You will also receive a User Guide with tips to help you make the most of your new Policy Manual.

Download Table of Contents and Sample Pages

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