Federal Trade Commission February 28, 2005 – Federal Register Recent Federal Regulation Documents

The Fair and Accurate Credit Transactions Act of 2003 (``FACT Act'') or ``Act'') requires the Federal Trade Commission (``FTC'' or ``Commission'') and the Federal Reserve Board (``Board'') to conduct a study on the effects of credit scores and credit-based insurance scores on the availability and affordability of financial products. These products include credit cards, mortgages, auto loans, and property and casualty insurance. As part of its efforts to fulfill its obligations under the Act, the FTC seeks public comment on any evidence the FTC and the Board should consider in conducting the study.