|Commenter:||Mr Kenneth Izumi|
|Agency:||Federal Trade Commission|
|Rule:||16 CFR Part 610 Amendments to Rule to Prevent Deceptive Marketing of Credit Reports and to Ensure Access to Free Annual File Disclosures|
Comments:Current websites are confusing and thus deceptive in the method of applying for a credit report. The credit reporting agencies must be mandated to have a secure and simple form. Fee-for-service advertising must not appear in the application. Only after the form is completed and securely submitted may such advertising appear, and it must be clearly marked as fee-for-service.