Public policy insight for your business

New credit card rules allow for income estimation models
After Congress spent the better half of 2009 debating new consumer protections for credit card users, most of the compliance rules for organizations went into effect in February 2010. Included in the rules is a new provision that allows credit card issuers to rely on income estimation models when determining a consumerís ability to repay debt.

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European Union approves new Web cookie directive
The European Union (EU) recently made strides toward toughening regulations dealing with the storage and use of Web cookies. By updating a directive aimed at online privacy, the European Council approved new requirementsr ...

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Federal Trade Commission explores new privacy regulations
Over the past four months, the Federal Trade Commission (FTC) held a series of daylong roundtable meetings to examine the privacy challenges created by new technology ...

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Attacks on risk-based pricing continue
From credit cards to credit scoring, challenges to risk-based pricing structures continue to be considered by Congress. In recent years, lawmakers have questioned the fairness of segmenting risk ...

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Also In This Issue:
In The States:
Several states propose restrictions on free trial offers
Legislatures target the use of credit reports for employment screenings

Other Newsletters
Fraud Advisor Ė Fall 2009
Experian News Ė Winter 2010
In Focus
  Experian's Income InsightSM
Developed from Experianís deep database of verified income and built on proprietary credit attributes, Income Insight meets the Federal Reserveís "ability to pay" provision...

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