{"product_id":"fair-credit-reporting-act-ops-deposit-account-issues","title":"Fair Credit Reporting Act: Ops\/Deposit Account Issues","description":"\u003cp dir=\"ltr\"\u003eDespite its name, the Fair Credit Reporting Act places significant obligations on deposit, operations, and human resources functions, and these are areas often missing from an institution’s compliance program. This session explains the origin and purpose of the FCRA, then covers its non-lending requirements. Topics include the broad definition of a consumer report, permissible purpose, prescreening, affiliate information sharing and its effect on marketing, deposit account adverse action notices, accurate credit reporting through e-OSCAR, the Identity Theft Prevention (Red Flags) Program, and disposal of consumer information. The session also covers employment-related duties, including employment-specific credit reports, required pre-pull disclosures, and employment adverse action notices. Participants will be prepared to show examiners evidence of FCRA compliance across the institution.\u003c\/p\u003e\n\u003ch3 dir=\"ltr\"\u003e\u003cbr\u003e\u003c\/h3\u003e","brand":"BankersHub","offers":[{"title":"Default Title","offer_id":50673187422383,"sku":"LIC1201261","price":249.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0646\/2894\/9167\/files\/FCRApart1.png?v=1792087217","url":"https:\/\/www.bankershub.com\/products\/fair-credit-reporting-act-ops-deposit-account-issues","provider":"BankersHub","version":"1.0","type":"link"}