The Fair Credit Reporting Act (FCRA)

The Fair Credit Reporting Act (FCRA) is a U.S. federal law that promotes the accuracy, fairness and privacy of information in the files of consumer reporting agencies. The law was originally passed in 1970, and is enforced by the United States Federal Trade Commission. It regulates the collection, dissemination, and use of consumer information, including consumer credit information. National MI uses the information contained on your credit report provided by your lender, to set the terms of the insurance we offer your lender. For more information about FCRA, please visit the U.S. Federal Trade Commission’s website at