Zack Smith

In Experian's Washington office, Zack analyzes and tracks policy proposals that could impact Experian's business and that of our clients'. In addition, he writes and edits several external and internal facing communications from Experian's Government Affairs team. Prior to joining Experian in 2010, Zack served on the staff of U.S. Senator Byron Dorgan (D-ND). He holds a Masters of Public Administration from Virginia Tech and a bachelors degree from Roanoke College.

All posts by Zack Smith

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Congress Looks at Removing Paid or Settled Medical Deb...

Last year, Rep. Heath Shuler (D-NC) introduced the Medical Debt Resolution Act (H.R. 2086), which would amend the Fair Credit Reporting Act to require the Consumer Reporting Agencies (CRAs) to remove paid or settled medical debt from a consumers’ credit file....

Read More Congress Looks at Removing Paid or Settled Medical Debt from Credit Reports
FDIC Announces Revisions to Proposed Large Bank Pricin...

Earlier this spring, the Federal Deposit Insurance Corporation (FDIC) announced a proposed amendment to the Assessments, Dividends, Assessment Base and Large Bank Pricing (LBP) rule that it put forward in February...

Read More FDIC Announces Revisions to Proposed Large Bank Pricing Rule
Data Breach Legislation passed in Vermont and Connecti...

Although 46 states, the District of Columbia and Puerto Rico have passed laws requiring consumer notification in the event of a security breach of personal information, recent large-scale and publicized breaches continue to make data security a top legislative agenda item in statehouses across the country. Of the 15...

Read More Data Breach Legislation passed in Vermont and Connecticut
CFPB Privilege Issue Debated by Policymakers...

Recently there has been one area of Consumer Financial Protection Bureau (CFPB) reform that has gained support from Republicans and Democrats in Congress, as well as the CFPB Director himself: ensuring the confidentiality of privileged information that financial institutions provide to the...

Read More CFPB Privilege Issue Debated by Policymakers
FTC Privacy Report Proposes Framework for Industry to ...

On March 26th, the Federal Trade Commission (FTC) released its highly anticipated final reports on consumer privacy, entitled “Protecting Consumer Privacy in an Era of Rapid Change." In their final report, the Commission applauded industry’s efforts towards strengthening industry self-regulations—including the Digital Advertising Alliance’s Self Regulatory Program for Online...

Read More FTC Privacy Report Proposes Framework for Industry to Follow
Report Finds High level of Compliance with Online Beha...

Last month, the Network Advertising Initiative (NAI)—a coalition of more than 80 leading online marketing companies—released its 2011 annual report reviewing efforts in online advertising self-regulation. In the annual report, which is required by the NAI’s self-regulatory Code of Conduct for Online Behavioral Advertising (OBA), the NAI reviewed the...

Read More Report Finds High level of Compliance with Online Behavioral Advertising Self-Regulations
Congress Focuses on Protecting Use of Death Master Fil...

The Death Master File (DMF) is a database operated by the Social Security Administration (SSA) that contains over 87 million records with information on persons who had Social Security numbers and whose deaths were reported to the SSA from 1962 to the present. The DMF is considered a public...

Read More Congress Focuses on Protecting Use of Death Master File Records
Experian Study Finds Vehicle History Has Major Impact ...

A recent Experian Automotive credit trends study revealed that vehicle history can have a major impact on loan performance. The study found that more than 2 percent of the late-model used vehicles (model year 2005 and newer) had a negative vehicle history event (frame damage, salvage, odometer rollback, etc.),...

Read More Experian Study Finds Vehicle History Has Major Impact on Loan Performance