The Bureau, joined by the Federal Trade Commission, filed an amicus brief with the U.S. Court of Appeals for the Third Circuit arguing that when a consumer reporting agency forwards a consumer’s dispute to the company that furnished the disputed information, the furnisher is required to conduct an investigation. There is no exception to this requirement for disputes that are frivolous or lack adequate support.
Amicus briefs filed by the CFPB are available on this page, including amicus briefs concerning federal consumer financial protection law filed in the U.S. Supreme Court by the Office of the Solicitor General.
Use the filters below to browse by date, statute, and the court in which the brief was filed.
The Bureau, joined by the Federal Trade Commission, filed an amicus brief with the U.S. Court of Appeals for the Second Circuit arguing that (1) the Fair Credit Reporting Act (FCRA) requires credit reporting agencies to follow reasonable procedures to ensure that consumer reports are both legally and factually accurate, (2) a credit reporting agency’s reliance on information provided by a furnisher does not absolve it of potential liability under this provision of the FCRA.
The Bureau filed an amicus brief with the U.S. Court of Appeals for the Eleventh Circuit arguing that (1) the Fair Credit Reporting Act requires furnishers to conduct reasonable investigations of both legal and factual questions posted in consumer disputes, and (2) each time a furnisher fails to reasonably investigate a dispute results in a new statutory violation, with its own statute of limitations.
The government filed a brief with the Supreme Court in TransUnion v. Ramirez, arguing that a plaintiff class had Article III standing to sue under the Fair Credit Reporting Act where the defendant produced consumer reports that erroneously designated the class members as individuals who are legally barred from transacting business in the United States.
The Bureau filed an amicus brief in support of the plaintiff’s Article III standing.
The Bureau and the FTC jointly filed an amicus brief arguing that plaintiff’s FCRA claim was timely filed.
The Fair Credit Reporting Act (FCRA) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the consumer reports it prepares about individuals. 15 U.S.C. § 1681e(b).
This case presents the question of how long, under the Fair Credit Reporting Act (FCRA), a consumer reporting agency can report certain negative information about an individual.