PUBLIC AFFAIRS PERSPECTIVE FALL 2010

Public policy insight for your business





CFPB receives authority without a director in place
The Consumer Financial Protection Bureau (CFPB) officially received authority to oversee and enforce 18 consumer protection laws on July 21. Promptly thereafter, President Obama nominated former Ohio Attorney General Richard Cordray to be the first director of the CFPB, ending speculation about whether he would nominate Harvard Professor Elizabeth Warren.

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Congress continues to debate data breach legislation
Members of both the House and the Senate have continued to debate and discuss data security and data breach notification legislation in the aftermath of large-scale data breaches that occurred this spring. Continued domestic...

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Obama administration plans to develop privacy codes of conduct for industry
Although we have witnessed attempts by Congress to act on the issue of online privacy, there has not been a general consensus reached among lawmakers that would allow ...

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Debt collection industry to see regulatory changes
While the debt collection industry is using cutting-edge, 21st-century technology to communicate with consumers, it has been relying on the laws and regulations that were written more than 30 years ago.

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Also In This Issue:
In The States:
Employer use of credit continues to be top priority in the states

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In Focus
  On May 5, the Policy and Economic Research Council (PERC) released the results of a study on the accuracy of data collected and maintained by the three nationwide consumer reporting agencies — Equifax, Experian and TransUnion — as well as the impact of credit report dispute outcomes.

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About Experian
Experian is a global leader in providing information, analytical and marketing services to organizations and consumers to help manage the risk and reward of commercial and financial decisions.

Combining its unique information tools and deep understanding of individuals, markets and economies, Experian partners with organizations around the world to establish and strengthen customer relationships and provide their businesses with competitive advantage. For consumers, Experian delivers critical information that enables them to make financial and purchasing decisions with greater control and confidence. Clients include organizations from financial services, retail and catalog, telecommunications, utilities, media, insurance, automotive, leisure, e-commerce, manufacturing, property and government sectors.

Experian plc is listed on the London Stock Exchange (EXPN) and is a constituent of the FTSE 100 index. Experian has corporate headquarters in Dublin, Ireland, and has operational headquarters in Costa Mesa, Calif., and Nottingham, UK. The Group employs approximately 15,500 people in 38 countries worldwide, supporting clients in more than 65 countries around the world. Revenue for the year ended March 31, 2008, was $4 billion. For more information, visit the www.experianplc.com.

© 2011 Experian Information Solutions, Inc. All rights reserved. No part of this copyrighted work may be reproduced, modified or distributed in any form or manner without the prior written permission of Experian Information Solutions, Inc. Experian and the marks used herein are service marks or registered trademarks of Experian Information Solutions, Inc. Other product and company names mentioned herein may be the trademarks of their respective owners. Public Affairs Perspectives is produced by Experian’s Corporate Marketing department to share timely public affairs news and information policy developments with Experian’s clients, employees and those interested in the industry. Questions or comments should be directed to:
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