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101 Geo. L.J. 807 (2012-2013)
Behavioral Credit Scoring

handle is hein.journals/glj101 and id is 835 raw text is: Behavioral Credit Scoring NATE CULLERTON* TABLE OF CONTENTS INTRODUCTION .......................................... 808 1. BEHAVIORAL CREDIT PROFILING .......................... 809 A. THE FICO SCORE .................................. 810 B. WEB 1.0 .......................................... 812 C. WEB 2.0 .......................................... 814 II. HARMS ........................................... 817 A. THE PUBLIC/PRIVATE DISTINCTION ...................... 817 B. TRANSPARENCY .................................. 819 C. DISCRIMINATION .................................. 820 D. CONTEXT ........................................ 824 III. ExIsTNG REGULATIONS ................................ 827 A. FCRA ......................................... 827 B. ANTIDISCRIMINATION LAW ........................... 828 C. CONSUMER-PROTECTION REGULATIONS ................... 829 IV. THE WHITE HOUSE APPROACH ........................... 831 A. THE CONSUMER PRIVACY BILL OF RIGHTS ................. 831 B. ENFORCEMENT ................................... 834 C. REFORMS ............................................. 836 CONCLUSION ............................................ 837 807 * Georgetown University Law Center, J.D. expected 2013. Q 2013, Nate Cullerton. I would like to thank Professor Julie Cohen for first getting me excited about the subject of this Note and for helpful comments throughout the writing process. Thanks also to the editors and staff of The Georgetown Law Journal.