Credit reports play a key role in the financial lives of American consumers. Information contained in credit reports can be critical to decisions on a consumer’s eligibility for credit and pricing, access to checking accounts, employment, access to rental housing, and more. The Fair Credit Reporting Act (FCRA) and its implementing regulations impose legal duties both on consumer reporting agencies and on data furnishers relating to the accuracy of credit report information. The Bureau continues to monitor the credit reporting market through its supervisory, enforcement, and research efforts, and to consider prior research, including a white paper the Bureau published on the largest consumer reporting agencies in December 2012, and reports on credit report accuracy produced by the Federal Trade Commission pursuant to the Fair and Accurate Credit Transactions Act. As this work continues, the Bureau will evaluate possible policy responses to issues identified, including potential additional rules or amendments to existing rules governing consumer reporting. Potential topics for consideration might include the accuracy of credit reports, including the processes for resolving consumer disputes, identity theft, or other issues.