Request for Information Regarding Consumers' Experience With Free Access to Credit Scores, 52284-52286 [2017-24555]
Download as PDF
<![CDATA[
52284
Federal Register / Vol. 82, No. 217 / Monday, November 13, 2017 / Notices
office (see ADDRESSES) at least 5
business days prior to the meeting.
Note: The times and sequence specified in
this agenda are subject to change.
Authority: 16 U.S.C. 1801 et seq.
Dated: November 7, 2017.
Tracey L. Thompson,
Acting Deputy Director, Office of Sustainable
Fisheries, National Marine Fisheries Service.
[FR Doc. 2017–24503 Filed 11–9–17; 8:45 am]
BILLING CODE 3510–22–P
DEPARTMENT OF COMMERCE
National Oceanic and Atmospheric
Administration
define the responsibilities for observer
providers, including reporting
requirements. Regulations at § 660.140
(i) specify requirements for catch
monitor coverage for first receivers. Data
collected by observers are used by
NMFS to estimate total landed catch
and discards, monitor the attainment of
annual groundfish allocations, estimate
catch rates of prohibited species, and as
a component in stock assessments.
These data are necessary to comply with
the Magnuson-Stevens Act requirements
to prevent overfishing. In addition,
observer data is used to assess fishing
related mortality of protected and
endangered species.
SUMMARY:
II. Method of Collection
This collection utilizes both
electronic and paper forms, depending
on the specific item. Methods of
submittal include email of electronic
forms, and mail and facsimile
transmission of paper forms.
Additionally, this collection utilizes
interviews for some information
collection and phone calls for
transmission of other information.
I. Abstract
In 2011, NMFS mandated observer
requirements for the West Coast
groundfish trawl catch shares program.
For all fishery sectors, observers must be
obtained through third-party observer
provider companies operating under
permits issued by NMFS. The
regulations at §§ 660.140 (h), 660.150 (j),
660.160 (g), specify observer coverage
requirements for trawl vessels and
III. Data
OMB Control Number: 0648–0500.
Form Number(s): None.
Type of Review: Regular (extension of
a current information collection).
Affected Public: Business or other forprofit organizations.
Estimated Number of Respondents:
268 (5 providers (supplying a total of 75
observers or catch monitors) and 263
fishing vessels).
Estimated Time per Response: For
providers: 15 minutes for observer
training/briefing/debriefing registration,
notification of observer physical
examination, observer status reports,
other reports on observer harassment,
safety concerns, or performance
problems, catch monitor status reports,
and other catch monitor reports on
harassment, prohibited actions, illness
or injury, or performance problems; 5
minutes for observer safety checklist
submission to NMFS, observer provider
contracts, observer information
materials, catch monitor provider
contracts, and catch monitor
informational materials; 10 minutes for
certificate of insurance; 7 minutes for
catch monitor training/briefing
registration, notification of catch
monitor physical examination, and
catch monitor debriefing registration.
For vessels: 10 minutes for fishing
departure reports and cease-fishing
reports.
Estimated Total Annual Burden
Hours: 525 (305 for providers and 220
for fishing vessels).
Proposed Information Collection;
Comment Request; Monitoring
Programs for Vessels in the Pacific
Coast Groundfish Fishery
National Oceanic and
Atmospheric Administration (NOAA),
Commerce.
ACTION: Notice.
AGENCY:
asabaliauskas on DSKBBXCHB2PROD with NOTICES
The Department of
Commerce, as part of its continuing
effort to reduce paperwork and
respondent burden, invites the general
public and other Federal agencies to
take this opportunity to comment on
proposed and/or continuing information
collections, as required by the
Paperwork Reduction Act of 1995.
DATES: Written comments must be
submitted on or before January 12, 2018.
ADDRESSES: Direct all written comments
to Jennifer Jessup, Departmental
Paperwork Clearance Officer,
Department of Commerce, Room 6616,
14th and Constitution Avenue NW.,
Washington, DC 20230 (or via the
Internet at pracomments@doc.gov).
FOR FURTHER INFORMATION CONTACT:
Requests for additional information or
copies of the information collection
instrument and instructions should be
directed to the West Coast Regional
Office—7600 Sand Point Way NE.,
Seattle, WA 98115, Keeley Kent,
telephone number ((206) 526–4655), or
keeley.kent@noaa.gov.
SUPPLEMENTARY INFORMATION:
VerDate Sep<11>2014
18:38 Nov 09, 2017
Jkt 244001
PO 00000
Frm 00021
Fmt 4703
Sfmt 4703
Estimated Total Annual Cost to
Public: $0 in capital costs as it is
assumed that each of the 5 observer/
catch monitor providers will maintain a
computer system with email capacity
for general business purposes and that
each vessel owner/operator has access
to a telephone for toll-free calls.
IV. Request for Comments
Comments are invited on: (a) Whether
the proposed collection of information
is necessary for the proper performance
of the functions of the agency, including
whether the information shall have
practical utility; (b) the accuracy of the
agency’s estimate of the burden
(including hours and cost) of the
proposed collection of information; (c)
ways to enhance the quality, utility, and
clarity of the information to be
collected; and (d) ways to minimize the
burden of the collection of information
on respondents, including through the
use of automated collection techniques
or other forms of information
technology.
Comments submitted in response to
this notice will be summarized and/or
included in the request for OMB
approval of this information collection;
they also will become a matter of public
record.
Dated: November 7, 2017.
Sarah Brabson,
NOAA PRA Clearance Officer.
[FR Doc. 2017–24469 Filed 11–9–17; 8:45 am]
BILLING CODE 3510–22–P
BUREAU OF CONSUMER FINANCIAL
PROTECTION
[Docket No. CFPB–2017–0037]
Request for Information Regarding
Consumers’ Experience With Free
Access to Credit Scores
Bureau of Consumer Financial
Protection.
ACTION: Notice and request for
information.
AGENCY:
The Dodd-Frank Wall Street
Reform and Consumer Protection Act of
2010 (Dodd-Frank) established the
Office of Financial Education within the
Bureau of Consumer Financial
Protection (CFPB or Bureau) to develop
and launch initiatives that will educate
consumers and help them make better
informed financial decisions.
The CFPB’s Office of Financial
Education seeks to learn more about the
experience consumers are having with
access to free credit scores and the
experience of companies, and
nonprofits, offering their customers and
SUMMARY:
E:\FR\FM\13NON1.SGM
13NON1
asabaliauskas on DSKBBXCHB2PROD with NOTICES
Federal Register / Vol. 82, No. 217 / Monday, November 13, 2017 / Notices
the general public free access to their
credit scores. The Bureau encourages
comments from all interested members
of the public, including consumers,
consumer advocacy groups, credit card
companies and other lenders, nonprofit
credit and financial counseling
providers, credit reporting companies,
researchers and any other interested
party.
DATES: Comments must be received on
or before February 12, 2018 to be
assured of consideration.
ADDRESSES: You may submit comments
regarding the ‘‘Request for Information
Regarding Consumers’ Experience with
Free Access to Credit Scores,’’ identified
by title and by Docket No. CFPB–2017–
0037, by any of the following methods:
• Electronic: https://
www.regulations.gov. Follow the
instructions for submitting comments.
• Mail: Consumer Financial
Protection Bureau (Attention: Office of
Financial Education), 1700 G Street
NW., Washington, DC 20552.
• Hand Delivery/Courier: Consumer
Financial Protection Bureau (Attention:
Office of Financial Education), 1700 G
Street NW., Washington, DC 20552.
Instructions: The Bureau encourages
the early submission of comments. All
submissions must include the document
title and docket number. Because paper
mail in the Washington, DC area and at
the Bureau is subject to delay,
commenters are encouraged to submit
comments electronically. In general, all
comments received will be posted
without change to https://
www.regulations.gov. In addition,
comments will be available for public
inspection and copying at 1700 G Street
NW., Washington, DC 20552, on official
business days between the hours of 10
a.m. and 5 p.m. eastern standard time.
You can make an appointment to
inspect the documents by telephoning
202–435–7275.
All submissions, including
attachments and other supporting
materials, will become part of the public
record and subject to public disclosure.
Do not include sensitive personal
information such as account numbers or
Social Security numbers. Comments
will not be edited to remove any
identifying or contact information, such
as name and address information, email
addresses, or telephone numbers.
FOR FURTHER INFORMATION CONTACT: For
general inquiries, submission process
questions or any additional information,
please contact Monica Jackson, Office of
the Executive Secretary, at 202–435–
7275. For information about the
‘‘Request for Information Regarding
Consumers’ Experience with Free
VerDate Sep<11>2014
18:38 Nov 09, 2017
Jkt 244001
Access to Credit Scores,’’ please contact
Irene Skricki, Office of Financial
Education, at 202–435–7181.
SUPPLEMENTARY INFORMATION:
I. Background
Over the last few years, many
financial institutions, credit card
issuers, and other companies have
offered consumers free access to a credit
score, giving consumers an important
tool to manage their financial lives.
To raise consumer awareness of this
service, the CFPB’s Office of Financial
Education published in March 2017 a
list of companies that told the Bureau
they offer existing credit card customers
free access to a credit score. The list was
compiled based on comments received
in response to a public notice published
in the Federal Register in October 2016.
As a next step, through this request
for information, the Bureau seeks to
learn more about the experience
consumers are having with access to
free credit scores. The Bureau also seeks
to learn about the experience of
companies and of nonprofit credit and
financial counseling providers offering
their customers and the general public
free access to credit scores.
A core part of the mission of the
Bureau is educating and empowering
consumers to take more control over
their financial lives. The information
gathered through this request for
information will be used to identify
educational content that is providing
the most value to consumers, and
additional educational content that the
Bureau or others could develop to
increase consumers’ understanding of
credit scores and credit reports. This
request for information will also be used
to gain a broader understanding of the
industry practices that best support
educating and empowering consumers.
The Bureau encourages comments
from all interested members of the
public, including consumers, consumer
advocacy groups, credit card companies
and other lenders, nonprofit credit and
financial counseling providers, credit
reporting companies, researchers and
any other interested party. The Bureau
is interested in all input from
commenters, including consumer
experiences, knowledge of the industry
practices that best support educating
and empowering consumers,
educational content that is providing
the most value to consumers, and views
on the questions included in this notice.
Please feel free to comment generally
and/or respond to any or all of the
questions below.
1. How are companies, and nonprofit
credit and financial counseling
providers, offering existing customers
PO 00000
Frm 00022
Fmt 4703
Sfmt 4703
52285
and the general public free access to
credit scores?
2. What sources are consumers using
to access free credit scores?
3. How have consumers benefitted
from having increased free regular
access to one of their credit scores? Are
there ways in which consumers have
been hurt from having this access? What
are examples of the ways in which
consumers have benefitted or been hurt
from having increased free regular
access to one of their credit scores?
4. What have been the benefits and
costs to companies for providing
consumers with increased free regular
access to one of their credit scores?
What are examples of these benefits and
costs?
5. What has been the rate of uptake,
frequency, and duration of use of the
service that provides consumers with
free regular access to one of their credit
scores?
6. How is access to free credit scores
and/or frequency and duration of use of
this service related to observed changes
in consumers’ credit standing or credit
behavior? For example, these changes
might include positive or negative
trends in credit scores, or changes in
loan payment behavior, the speed of
payment of outstanding loan balances,
the rate of applications for new loans, or
any other factor.
7. What are examples of the questions
consumers ask companies, as well as
credit and financial counseling
providers, after they have seen their free
credit scores?
8. Do consumers face challenges in
accessing free credit scores? If so, what
are examples of those challenges?
9. What are examples of
implementation challenges companies
have faced, continue to face, or are
likely to emerge in the future, in
providing consumers with free regular
access to one of their credit scores?
10. What are examples of solutions
companies have identified to address
these implementation challenges?
11. What are examples of the
educational content that is provided to
consumers when they access their free
credit scores? With regards to this
educational content, what information
appears to be most effective in helping
consumers understand their credit
scores and the factors that impact their
scores?
12. Can consumers have free regular
access to one of their credit scores
without receiving marketing for other
products and services? If marketing is
provided with the access to a free score,
what are examples of the types of
products and services being marketed?
How have consumers benefitted or
E:\FR\FM\13NON1.SGM
13NON1
52286
Federal Register / Vol. 82, No. 217 / Monday, November 13, 2017 / Notices
otherwise been impacted by being
offered products and services at the time
when they access and see their credit
scores?
13. What features related to how
regular free access to a credit score is
offered to consumers appear to be most
effective in helping consumers make use
of this service?
14. The CFPB also offers a number of
educational supports to help consumers
understand and act on their credit
reports and scores, including a Credit
Reports & Scores information portal
available at consumerfinance.gov/
consumer-tools/credit-reports-andscores/; many frequently asked
questions in Ask CFPB on the Bureau’s
Web site; and online brochures that
include Check your credit report,
Understand your credit score, You have
many credit scores, Credit report review
check list, and a list of consumer
reporting companies. Is there additional
educational content or topics that could
be developed by the CFPB or others to
support increased consumer
understanding of credit scores and
credit reports—for example, educational
content that focuses on increasing
awareness of credit scores to young
consumers; how student debt can
impact a consumer’s credit score; or a
person’s credit standing over time,
which might be of interest to older
adults/seniors?
15. Has increased access to free credit
scores encouraged consumers that use
this service to also check their credit
reports or take other steps to learn more
about their credit standing? What are
examples of the steps these consumers
have taken?
Thank you for your contribution to
improve consumer financial awareness.
Dated: November 4, 2017.
Richard Cordray,
Director, Bureau of Consumer Financial
Protection.
[FR Doc. 2017–24555 Filed 11–9–17; 8:45 am]
BILLING CODE 4810–AM–P
BUREAU OF CONSUMER FINANCIAL
PROTECTION
asabaliauskas on DSKBBXCHB2PROD with NOTICES
[Docket No. CFPB–2017–0034]
Notice of an Update to the Public List
of Companies That Offer Customers
Free Access to a Credit Score
Bureau of Consumer Financial
Protection.
ACTION: Notice.
AGENCY:
The Dodd-Frank Wall Street
Reform and Consumer Protection Act of
2010 (Dodd-Frank) established the
SUMMARY:
VerDate Sep<11>2014
18:38 Nov 09, 2017
Jkt 244001
Office of Financial Education within the
Bureau of Consumer Financial
Protection (CFPB or Bureau) to develop
and launch initiatives that will educate
consumers and help them make better
informed financial decisions.
The CFPB’s Office of Financial
Education published in March 2017 a
list of companies that told us they offer
existing credit card customers free
access to a credit score. The Bureau is
updating this list and will use the
responses received to this notice to
publish an updated list. The Bureau will
leverage this updated list to bring
consumer attention to the topic of
consumers’ credit standing, of which
their credit score is a valuable indicator.
The Bureau will follow up the
publication of this updated list with
content to educate consumers about the
availability of credit scores and credit
reports and how this information can be
used effectively.
DATES: Comments must be received on
or before January 12, 2018 to be assured
of consideration.
ADDRESSES: You may submit comments
regarding the ‘‘Notice of an Update to
the Public List of Companies That Offer
Customers Free Access to a Credit
Score,’’ identified by title and by Docket
No. CFPB–2017–0034, by any of the
following methods:
• Electronic: https://
www.regulations.gov. Follow the
instructions for submitting comments.
• Mail: Consumer Financial
Protection Bureau (Attention: Office of
Financial Education), 1700 G Street
NW., Washington, DC 20552.
• Hand Delivery/Courier: Consumer
Financial Protection Bureau (Attention:
Office of Financial Education), 1700 G
Street NW., Washington, DC 20552.
Instructions: The Bureau encourages
the early submission of comments. All
submissions must include the document
title and docket number. Because paper
mail in the Washington, DC area and at
the Bureau is subject to delay,
commenters are encouraged to submit
comments electronically. In general, all
comments received will be posted
without change to https://
www.regulations.gov. In addition,
comments will be available for public
inspection and copying at 1700 G Street
NW., Washington, DC 20552, on official
business days between the hours of 10
a.m. and 5 p.m. eastern standard time.
You can make an appointment to
inspect the documents by telephoning
202–435–7275.
All submissions, including
attachments and other supporting
materials, will become part of the public
record and subject to public disclosure.
PO 00000
Frm 00023
Fmt 4703
Sfmt 4703
Do not include sensitive personal
information such as account numbers or
Social Security numbers. Comments
will not be edited to remove any
identifying or contact information, such
as name and address information, email
addresses, or telephone numbers.
FOR FURTHER INFORMATION CONTACT: For
general inquiries, submission process
questions or any additional information,
please contact Monica Jackson, Office of
the Executive Secretary, at 202–435–
7275. For information about the ‘‘Notice
of an Update to the Public List of
Companies That Offer Customers Free
Access to a Credit Score,’’ please contact
Irene Skricki, Office of Financial
Education, at 202–435–7181.
SUPPLEMENTARY INFORMATION:
I. Background
Over the last few years, many
financial institutions, credit card
issuers, and other companies have
offered consumers free access to a credit
score, giving consumers an important
tool to manage their financial lives. The
Consumer Financial Protection Bureau
(‘‘the Bureau’’) would like to highlight
and build consumer awareness of this
practice. A core part of the mission of
the Bureau is educating and
empowering consumers to take more
control over their financial lives. The
Bureau believes that enabling
consumers to see their credit scores can
be a first step towards consumers
learning about their credit history,
becoming aware of and encouraged to
request a free copy of their credit
reports, ensuring the accuracy and
completeness of their credit reports, and
ultimately making informed decisions
about credit that serve their own
financial and life goals.
The Bureau published in March 2017
a list of companies that told us they
offer existing credit card customers free
access to a credit score. The Bureau is
updating this list and will use the
responses received to this Notice to
publish an updated list.
The Bureau will leverage this updated
list to bring consumer attention to the
topic of consumers’ credit standing, of
which their credit score is a valuable
indicator. The Bureau will follow up the
publication of this updated list with
content to educate consumers about the
availability of credit scores and credit
reports and how this information can be
used effectively.
If your company was included on the
list published in March 2017 and would
like to be included in the updated list,
your company must submit a new entry.
Please indicate in your comment if your
company would like the entry
E:\FR\FM\13NON1.SGM
13NON1
]]>Agencies
[Federal Register Volume 82, Number 217 (Monday, November 13, 2017)]
[Notices]
[Pages 52284-52286]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 2017-24555]
=======================================================================
-----------------------------------------------------------------------
BUREAU OF CONSUMER FINANCIAL PROTECTION
[Docket No. CFPB-2017-0037]
Request for Information Regarding Consumers' Experience With Free
Access to Credit Scores
AGENCY: Bureau of Consumer Financial Protection.
ACTION: Notice and request for information.
-----------------------------------------------------------------------
SUMMARY: The Dodd-Frank Wall Street Reform and Consumer Protection Act
of 2010 (Dodd-Frank) established the Office of Financial Education
within the Bureau of Consumer Financial Protection (CFPB or Bureau) to
develop and launch initiatives that will educate consumers and help
them make better informed financial decisions.
The CFPB's Office of Financial Education seeks to learn more about
the experience consumers are having with access to free credit scores
and the experience of companies, and nonprofits, offering their
customers and
[[Page 52285]]
the general public free access to their credit scores. The Bureau
encourages comments from all interested members of the public,
including consumers, consumer advocacy groups, credit card companies
and other lenders, nonprofit credit and financial counseling providers,
credit reporting companies, researchers and any other interested party.
DATES: Comments must be received on or before February 12, 2018 to be
assured of consideration.
ADDRESSES: You may submit comments regarding the ``Request for
Information Regarding Consumers' Experience with Free Access to Credit
Scores,'' identified by title and by Docket No. CFPB-2017-0037, by any
of the following methods:
Electronic: https://www.regulations.gov. Follow the
instructions for submitting comments.
Mail: Consumer Financial Protection Bureau (Attention:
Office of Financial Education), 1700 G Street NW., Washington, DC
20552.
Hand Delivery/Courier: Consumer Financial Protection
Bureau (Attention: Office of Financial Education), 1700 G Street NW.,
Washington, DC 20552.
Instructions: The Bureau encourages the early submission of
comments. All submissions must include the document title and docket
number. Because paper mail in the Washington, DC area and at the Bureau
is subject to delay, commenters are encouraged to submit comments
electronically. In general, all comments received will be posted
without change to https://www.regulations.gov. In addition, comments
will be available for public inspection and copying at 1700 G Street
NW., Washington, DC 20552, on official business days between the hours
of 10 a.m. and 5 p.m. eastern standard time. You can make an
appointment to inspect the documents by telephoning 202-435-7275.
All submissions, including attachments and other supporting
materials, will become part of the public record and subject to public
disclosure. Do not include sensitive personal information such as
account numbers or Social Security numbers. Comments will not be edited
to remove any identifying or contact information, such as name and
address information, email addresses, or telephone numbers.
FOR FURTHER INFORMATION CONTACT: For general inquiries, submission
process questions or any additional information, please contact Monica
Jackson, Office of the Executive Secretary, at 202-435-7275. For
information about the ``Request for Information Regarding Consumers'
Experience with Free Access to Credit Scores,'' please contact Irene
Skricki, Office of Financial Education, at 202-435-7181.
SUPPLEMENTARY INFORMATION:
I. Background
Over the last few years, many financial institutions, credit card
issuers, and other companies have offered consumers free access to a
credit score, giving consumers an important tool to manage their
financial lives.
To raise consumer awareness of this service, the CFPB's Office of
Financial Education published in March 2017 a list of companies that
told the Bureau they offer existing credit card customers free access
to a credit score. The list was compiled based on comments received in
response to a public notice published in the Federal Register in
October 2016.
As a next step, through this request for information, the Bureau
seeks to learn more about the experience consumers are having with
access to free credit scores. The Bureau also seeks to learn about the
experience of companies and of nonprofit credit and financial
counseling providers offering their customers and the general public
free access to credit scores.
A core part of the mission of the Bureau is educating and
empowering consumers to take more control over their financial lives.
The information gathered through this request for information will be
used to identify educational content that is providing the most value
to consumers, and additional educational content that the Bureau or
others could develop to increase consumers' understanding of credit
scores and credit reports. This request for information will also be
used to gain a broader understanding of the industry practices that
best support educating and empowering consumers.
The Bureau encourages comments from all interested members of the
public, including consumers, consumer advocacy groups, credit card
companies and other lenders, nonprofit credit and financial counseling
providers, credit reporting companies, researchers and any other
interested party. The Bureau is interested in all input from
commenters, including consumer experiences, knowledge of the industry
practices that best support educating and empowering consumers,
educational content that is providing the most value to consumers, and
views on the questions included in this notice.
Please feel free to comment generally and/or respond to any or all
of the questions below.
1. How are companies, and nonprofit credit and financial counseling
providers, offering existing customers and the general public free
access to credit scores?
2. What sources are consumers using to access free credit scores?
3. How have consumers benefitted from having increased free regular
access to one of their credit scores? Are there ways in which consumers
have been hurt from having this access? What are examples of the ways
in which consumers have benefitted or been hurt from having increased
free regular access to one of their credit scores?
4. What have been the benefits and costs to companies for providing
consumers with increased free regular access to one of their credit
scores? What are examples of these benefits and costs?
5. What has been the rate of uptake, frequency, and duration of use
of the service that provides consumers with free regular access to one
of their credit scores?
6. How is access to free credit scores and/or frequency and
duration of use of this service related to observed changes in
consumers' credit standing or credit behavior? For example, these
changes might include positive or negative trends in credit scores, or
changes in loan payment behavior, the speed of payment of outstanding
loan balances, the rate of applications for new loans, or any other
factor.
7. What are examples of the questions consumers ask companies, as
well as credit and financial counseling providers, after they have seen
their free credit scores?
8. Do consumers face challenges in accessing free credit scores? If
so, what are examples of those challenges?
9. What are examples of implementation challenges companies have
faced, continue to face, or are likely to emerge in the future, in
providing consumers with free regular access to one of their credit
scores?
10. What are examples of solutions companies have identified to
address these implementation challenges?
11. What are examples of the educational content that is provided
to consumers when they access their free credit scores? With regards to
this educational content, what information appears to be most effective
in helping consumers understand their credit scores and the factors
that impact their scores?
12. Can consumers have free regular access to one of their credit
scores without receiving marketing for other products and services? If
marketing is provided with the access to a free score, what are
examples of the types of products and services being marketed? How have
consumers benefitted or
[[Page 52286]]
otherwise been impacted by being offered products and services at the
time when they access and see their credit scores?
13. What features related to how regular free access to a credit
score is offered to consumers appear to be most effective in helping
consumers make use of this service?
14. The CFPB also offers a number of educational supports to help
consumers understand and act on their credit reports and scores,
including a Credit Reports & Scores information portal available at
consumerfinance.gov/consumer-tools/credit-reports-and-scores/; many
frequently asked questions in Ask CFPB on the Bureau's Web site; and
online brochures that include Check your credit report, Understand your
credit score, You have many credit scores, Credit report review check
list, and a list of consumer reporting companies. Is there additional
educational content or topics that could be developed by the CFPB or
others to support increased consumer understanding of credit scores and
credit reports--for example, educational content that focuses on
increasing awareness of credit scores to young consumers; how student
debt can impact a consumer's credit score; or a person's credit
standing over time, which might be of interest to older adults/seniors?
15. Has increased access to free credit scores encouraged consumers
that use this service to also check their credit reports or take other
steps to learn more about their credit standing? What are examples of
the steps these consumers have taken?
Thank you for your contribution to improve consumer financial
awareness.
Dated: November 4, 2017.
Richard Cordray,
Director, Bureau of Consumer Financial Protection.
[FR Doc. 2017-24555 Filed 11-9-17; 8:45 am]
BILLING CODE 4810-AM-P
