Under the Fair Credit Reporting Act, a consumer reporting agency, on request by and proper identification of the consumer, must clearly and accurately disclose to the consumer:
the nature and substance of certain information in its files on the consumer;
the sources of most of that information;
the recipients of any consumer report on the consumer furnished for employment purposes within the two-year period preceding the request, and for any other purpose within the one-year period preceding the request;
the dates, original payees, and amounts of any checks on which is based any adverse characterization of the consumer, included in the file at the time of the disclosure; and
a record of all inquiries received by the agency during the one-year period preceding the request that identified the consumer in connection with a credit or insurance transaction that was not initiated by the consumer.
Virgin Islands Request for Disclosure Regarding Nature and Substance of Files of Consumer Reporting Agency
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How to fill out Request For Disclosure Regarding Nature And Substance Of Files Of Consumer Reporting Agency?
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FAQ
RFPA protects bank customers from federal government intrusion by requiring that federal agencies follow a certain process to obtain customers' financial records. Note that while RFPA does not apply to requests by state and local government agencies, many states have enacted similar customer notice requirements.
The 1978 Right to Financial Privacy Act (RFPA) establishes specific procedures that federal government authorities must follow in order to obtain information from a financial institution about a customer's financial records.
Under California law, financial service companies must get your permission first, before they can share your personal financial information with outside companies. This does not apply to sharing with outside companies that offer financial products or services.
Regulation P applies only to the U.S. offices of financial institutions and banks under its supervisory authority. Regulation P was first enacted in 1999 and it does not apply to publicly available information.
Generally, the customer must receive a written notice of the government's intent to obtain the records, explain why the records are being requested, and explain what steps the customer can follow to protect the information.
The RFPA places limitations on the ability of the Federal Government to seek financial records about an individual from banks or other financial institutions. The RFPA applies only to the Federal Government. It does not govern requests for financial records made by private businesses or state or local governments.
Disclosure Record means all documents publicly filed by the Company on the System for Electronic Document Analysis and Retrieval (SEDAR) under applicable Securities Laws.
The statues requires that the requesting federal government agency must give the customer advance notice of the requested disclosure from the financial institution, thus giving the customer opportunity to challenge the government's access to the records before the disclosure takes place.
