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| leghisturl = http://thomas.loc.gov/cgi-bin/bdquery/z?d108:HR02622:@@@R | introducedin = House | introducedbill = | introducedby = Spencer Bachus (R-AL) | introduceddate = June 26, 2003 | committees = House Financial Services, Senate Banking, Housing, and Urban Affairs | passedbody1 = House | passeddate1 = September 10, 2003 | passedvote1 = 392-30, | passedbody2 = Senate | passedas2 = | passeddate2 = November 5, 2003 | passedvote2 = 95-2, | conferencedate = November 21, 2003 | passedbody3 = House | passeddate3 = November 21, 2003 | passedvote3 = 379-49, | agreedbody3 = | agreeddate3 = | agreedvote3 = | agreedbody4 = | agreeddate4 = | agreedvote4 = | passedbody4 = Senate | passeddate4 = November 22, 2003 | passedvote4 = agreed unanimous consent | signedpresident = George W. Bush | signeddate = December 4, 2003 | unsignedpresident = | unsigneddate = | vetoedpresident = | vetoeddate = | overriddenbody1 = | overriddendate1 = | overriddenvote1 = | overriddenbody2 = | overriddendate2 = | overriddenvote2 = | amendments = | SCOTUS cases = }} The Fair and Accurate Credit Transactions Act of 2003 (abbreviated FACT Act or FACTA, ) is a United States federal law, passed by the United States Congress on November 22, 2003,〔(Library of Congress THOMAS ), searched for H.R. 2622 (108th Congress) Major Congressional Actions on September 7, 2008〕 and signed by President George W. Bush on December 4, 2003,〔(White House fact sheet ), December 4, 2003〕 as an amendment to the Fair Credit Reporting Act. The act allows consumers to request and obtain a free credit report once every twelve months from each of the three nationwide consumer credit reporting companies (Equifax, Experian and TransUnion). In cooperation with the Federal Trade Commission, the three major credit reporting agencies set up the website, AnnualCreditReport.com, to provide free access to annual credit reports.〔(Facts for Consumers ), Federal Trade Commission, March 2008〕 The act also contains provisions to help reduce identity theft, such as the ability for individuals to place alerts on their credit histories if identity theft is suspected, or if deploying overseas in the military, thereby making fraudulent applications for credit more difficult. Further, it requires secure disposal of consumer information. == Provisions == The FACT Act contains seven major titles: Identity Theft Prevention and Credit History Restoration, Improvements in Use of and Consumer Access to Credit Information, Enhancing the Accuracy of Consumer Report Information, Limiting the Use and Sharing of Medical Information in the Financial System, Financial Literacy and Education Improvement, Protecting Employee Misconduct Investigations, and Relation to State Laws. 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Fair and Accurate Credit Transactions Act」の詳細全文を読む スポンサード リンク
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