In addition to the Federal Trade Commission, which entity is responsible for enforcing the FCRA?

The Consumer Financial Protection Bureau (CFPB) plays a critical role in enforcing the Fair Credit Reporting Act (FCRA) alongside the Federal Trade Commission (FTC). The CFPB was established to oversee various consumer protection laws and ensure that consumers are treated fairly in the financial marketplace. This includes the enforcement of regulations related to credit reporting, which fall under the purview of the FCRA.

The FCRA establishes consumer rights regarding the collection, dissemination, and use of credit information. As part of its enforcement authority, the CFPB can take action against entities that violate the provisions of the FCRA, helping to ensure compliance and protect consumers' rights. This includes investigating consumer complaints, conducting examinations of financial institutions, and enforcing penalties for non-compliance.

The other entities listed do not have the authority to enforce the FCRA. The Securities and Exchange Commission primarily deals with securities regulation, the National Labor Relations Board focuses on labor practices and employee rights, and the Equal Employment Opportunity Commission addresses issues related to employment discrimination. Each of these agencies has its specific mandate that does not encompass the enforcement of the FCRA.