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Credit reports and scores can determine everything from where a person lives to where she works to whether her smallbusiness survives. Congress enacted FCRA out of a recognition that the health of the national economy depends on fair and accurate credit reporting.
Cybersecurity incidents are often the precursor to investigations and possible enforcement actions by state attorneys general or the FTC. These incidents can also lead to private causes of action (or even a class action) typically by consumers whose information was compromised or improperly used or disclosed.
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