To determine where Americans are most frugal, we turned to Atlanta-based Equifax, one of the three largest consumer credit reporting agencies in the country.

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Operating as a consumer reporting agency, Social Intelligence Corp. says its social network screening process is compliant with the Fair Credit Reporting Act.

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R. 3149, was introduced this summer to amend the Fair Credit Reporting Act to prohibit the use of consumer credit checks against prospective and current employees for the purposes of making adverse employment decisions.

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It seems as if a story runs in the paper every day reporting another high-profile breach of security that exposed consumer credit card information and social media accounts.

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The Consumer Financial Protection Bureau (CFPB), brought to life by Dodd-Frank, announced on July 16th that it will start regulating credit-reporting bureaus, such as Equifax, which help determine whether a consumer gets a loan.

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But Congress may have voided some of them with the Credit Reporting Organizations Act in 1996, which appears to invalidate any waiver a consumer might sign of any of the remedies in the act, including the right to sue.

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It later applied digital signal processing to automate credit reporting but five years ago sold the business, frustrated by labor problems and consumer antipathy.

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