Fair Credit Reporting Act (FCRA): Primary federal law governing credit reporting that regulates collection, dissemination, and use of consumer credit information. Requires disclosure of credit checks to consumers and mandates obtaining consumer consent before pulling credit reports.

Gramm-Leach-Bliley Act (GLBA): Federal law that regulates how financial institutions handle private consumer information and requires privacy notices and security measures.

Federal Trade Commission (FTC) Regulations: Regulatory framework that implements and enforces FCRA requirements and provides guidelines for proper disclosure and consent.

State-Specific Credit Reporting Laws: Various state-level laws that may include additional requirements beyond federal law, including specific disclosure language and additional consumer protections.

Equal Credit Opportunity Act (ECOA): Federal law that prohibits discrimination in credit transactions and ensures fair treatment regardless of race, color, religion, national origin, sex, marital status, or age.

Consumer Financial Protection Bureau (CFPB) Regulations: Federal regulatory framework that provides additional oversight and requirements, and issues guidance on compliance for credit reporting and consumer protection.