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The Consumer Financial Protection Bureau (Bureau) is issuing a final rule implementing an. amendment to the Equal Credit Opportunity Act (ECOA) regarding furnishing copies of. appraisals and other written valuations to applicants for first lien loans secured by a dwelling. The rule will become effective on January 18, 2014. BACKGROUND.
1 Comment on FACT Act Amendments to the FCRA. FACT Act Amendments to the FCRA. The Fair and Accurate Credit Transactions Act (FACT) was established in 2003 as an amendment to the FCRA. The act is meant to reduce identity theft, increase credit reporting accuracy, and establish safety standards.