The Consumer Federation of America (CFA) and the National Credit Reporting Association (NCRA) designed the details of this study with advice from legal counsel to ensure the methodology would comply with the requirements of the Fair Credit Reporting Act, Gramm Leach Bliley Act, and other consumer privacy laws. From the outset, each organization was mindful of the ethical spirit and intent of these consumer protection and privacy laws. In this day of rampant identification theft, we carefully evaluated each segment of the study workflow to ensure that we analyzed data extracted from the credit files without any trace.
