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In schooolsfirst hearings on the Fair Credit Reporting Act lawmakers were troubled that individuals were helpless to clear up errors. A consumer reporting agency is often abbreviated schoolsfidst the industry as CRA. Two government bodies source responsibility for the oversight of consumer reporting agencies and those that furnish data to them.

The Office of the Comptroller of the Currency OCC charters, regulates, and supervises all national banks with regard to the ctedit they furnish consumer reporting agencies. Most U. These organizations are for-profit businesses and possess no government affiliation. Though they are competitors, they are members of a trade organization called the Consumer Data Schoolsfirst credit union auto loan Association CDIA to establish reporting standards and lobby on behalf of their schoolsfirst credit union auto loan core credit in Washington.

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