CRA_DR_Blue_V2.0.jpg
Intelicrunch_Banner_Header.jpg

Maine federal district court rules FCRA preempts 2019 amendments to state’s credit reporting law...


A Maine federal district court ruled that that two 2019 amendments to Maine’s credit reporting law are preempted by the federal Fair Credit Reporting Act and granted the motion for judgment filed by the plaintiff, the Consumer Data Industry Association (CDIA).


One of the amendments prohibited a consumer reporting agency (CRA) from reporting medical debt on a consumer’s credit report until a delinquency was at least 180 days old.  Once a CRA received “reasonable evidence” that a medical debt had been settled or paid in full, the CRA could not report the debt and had to “remove or suppress” it from the consumer report.

The second amendment required a CRA to reinvestigate a debt if the consumer provided documentation that the debt was the result of “economic abuse.”  If the CRA found that the debt was the result of such abuse, it had to remove any reference to the debt from the consumer report.  “Economic abuse” was defined to mean “causing or attempting to cause an individual to be financially dependent by maintaining control over the individual’s financial resources” and included “unauthorized or coerced use of credit or property” and “stealing from or defrauding of money or assets.” FULL ARTICLE

© 2020  InteliCrunch.com

InteliCrunch is a free service provided by a collective of people who monitor the background screening industry and how events affect not only the people in it, but even more importantly, the real human impact the industry has on today's society.*All third party logos and / or images used on this website are the sole property and / or registered trademarks of their respective companies or copyright holders. Use of these logos, images or likenesses does not, in any way, imply the endorsement of InteliCrunch by any of the businesses, brands or individuals represented, their parent companies, officers, employees, partners, or affiliates. Any such usage is for informational / news purposes only.  Any / all articles, announcements, releases or third-party-authored content is / are linked back to the original "source"  and author credit given  Furthermore, InteliCrunch is not responsible for, and does not warrant the safety of any third-party links or sites to which any viewer may be directed from InteliCrunch.  InteliCrunch has made reasonable efforts to ensure that any news or informational links on the site are from "known and reputable"  sources / websites.