Scott
Articles
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FCRA Requirements Related to Consumer Consent
1. General Rule on Consent: The FCRA mandates that before a Consumer Reporting Agency (CRA) can release a consumer's report, there must be a permissible purpose. In many scenarios, particularly tho...
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FCRA Requirements Related to Access to Credit Reports
1. Permissible Purposes: General Rule: A Consumer Reporting Agency (CRA) may furnish a consumer report only under specific circumstances that qualify as a permissible purpose. The act expressly l...
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FCRA Requirements Related to Accuracy and Privacy of Information
1. Accuracy of Information: Reasonable Procedures: Consumer Reporting Agencies (CRAs) are required to follow reasonable procedures to assure the maximum possible accuracy of the information conce...
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Consumer Reports and Consumer Reporting Agencies (CRAs) under the FCRA
1. Definition of Consumer Reports: A consumer report is any written, oral, or other communication of any information by a consumer reporting agency that bears on a consumer’s creditworthiness, cre...
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Fair Credit Reporting Act - Overview
Fair Credit Reporting Act (FCRA) Summary: Introduction: The Fair Credit Reporting Act (FCRA) is a U.S. federal law that regulates the collection, dissemination, and use of consumer information, inc...
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Omnibus Transportation Employees Testing Act of 1991 (OTETA)
Background: The Omnibus Transportation Employees Testing Act of 1991, often referred to as OTETA, is a landmark piece of federal legislation in the United States. It was enacted with the pri...
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Understanding Regulations: 49 CFR Part 382, Subpart B - Prohibited Conduct
Regulatory Text of 49 CFR Part 382, Subpart B: **Subpart B - Prohibited Conduct** **§ 382.201 - Alcohol Concentration of 0.04 or Greater.** No driver shall report for duty or remain on duty ...
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Understanding Regulations: 49 CFR 391.21 - Application for employment
Regulatory Text of 49 CFR Part 391.21: **§ 391.21 - Application for employment. (a) Investigation and inquiries. (1) A motor carrier must, prior to the first time it uses a driver to operate a...
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Understanding Regulations: 49 CFR 391.15 - Disqualification of drivers
Regulatory Text of 49 CFR Part 391.15: **§ 391.15 - Disqualification of drivers.** (a) General rule. A driver who is disqualified under the rules in this subpart is prohibited from operating a ...
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Understanding 49 CFR Part 391.11: Driver Qualifications
Regulatory Text of 49 CFR Part 391.11: § 391.11 General qualifications of drivers. (a) A person shall not drive a commercial motor vehicle unless he/she is qualified to drive a commercial motor v...