As a direct result of the Roundtable's efforts, the 110th Congress granted permanent extensions of the preemptions of the Fair Credit Reporting Act, empowering our members to offer consumers across the country an increasingly vibrant mix of financial products and services. The FACT Act also includes new mechanisms to help mitigate and eliminate damage to consumers from the burgeoning crimes of fraud and identity theft. Additionally, in a further effort to protect American consumers, credit agencies are now required to disclose credit scores to consumers upon their request.