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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.
The Fair and Accurate Credit Transactions Act of 2003. Also known as the FACT Act, was signed into. law on December 4, 2003. In general, the Act amends the Fair Credit Reporting Act (FCRA). The Act. contains a number of provisions intended to combat consumer fraud and related crimes, including identity. theft, and to assist its victims.