Fair Credit Reporting Act (1970) regulates the operations of credit reporting bureaus, including
how they collect, store, and use credit information.
Right to Financial Privacy Act (1978) protects the records of financial institution customers
from unauthorized scrutiny by the federal government...
WGU C961 Laws Questions and
Answers Rated A
Fair Credit Reporting Act (1970) ✔✔regulates the operations of credit reporting bureaus, including
how they collect, store, and use credit information.
Right to Financial Privacy Act (1978) ✔✔protects the records of financial institution customers
from unauthorized scrutiny by the federal government
Gramm-Leach-Bliley Act (1999) ✔✔allows business combinations (e.g. mergers) between
commercial banks, investment banks, and insurance companies, and thus permits these institutions
to compete in markets that prior regulations prohibited them from entering.
Fair and Accurate Credit Transactions Act (2003) ✔✔It allows consumers to request and obtain a
free credit report once each year from each of the three primary consumer credit reporting
companies (Equifax, Experian, and TransUnion).
Health Insurance Portability and Accountability Act (HIPAA) ✔✔was designed to improve the
portability and continuity of health insurance coverage; to reduce fraud, waste, and abuse in health
insurance and healthcare delivery; and to simplify the administration of health insurance.
Family Educational Rights and Privacy Act (FERPA) ✔✔Is a federal law that assigns certain rights
to parents regarding their children's educational records
Children's Online Privacy Protection Act (COPPA) ✔✔any website that caters to children must
offer comprehensive privacy policies, notify parents or guardians about its data collection
practices, and receive parental consent before collecting any personal information from children
under 13 years of age.
, Title III of the Omnibus Crime Control and Safe Streets Act ✔✔also known as the Wiretap Act,
regulates the interception of wire (telephone) and oral communications
Foreign Intelligence Surveillance Act (FISA) ✔✔describes procedures for the electronic
surveillance and collection of foreign intelligence information in communications between foreign
powers and the agents of foreign powers.
Executive Order 12333 ✔✔Identifies various government intelligence-gathering agencies and
defines what information can be collected, retained, and disseminated by the agencies. It allows
for the tangential collection of U.S. citizen data—even when those citizens are not specifically
targeted.
Electronic Communications Privacy Act (ECPA) ✔✔Deals with three main issues: the protection
of communications while in transfer from sender to receiver; the protection of communications
held in electronic storage; and the prohibition of devices from recording dialing, routing,
addressing, and signaling information without a search warrant.
Communications Assistance for Law Enforcement Act (CALEA) ✔✔it requires the
telecommunications industry to build tools into its products that federal investigators could use—
after obtaining a court order—to eavesdrop on conversations and intercept electronic
communications.
USA PATRIOT Act ✔✔It gave sweeping new powers to both domestic law enforcement and U.S.
international intelligence agencies, including increasing the ability of law enforcement agencies to
search telephone, email, medical, financial, and other records. It also eased restrictions on foreign
intelligence gathering in the United States.
USA Freedom Act ✔✔terminated the bulk collection of telephone metadata by the NSA. Instead,
telecommunications providers are now required to hold the data and respond to NSA queries on
the data. The act also restored authorization for roving wiretaps, which allows surveillance of
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