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Most credit reporting disputes are handled through the e-OSCAR/ACDV system, which has had recent updates that affect data furnishers’ legal obligations with regards to these disputes. This is an active area of litigation and regulatory scrutiny. This topic will help attendees better understand their potential legal risk and compliance obligations with respect to consumer credit reporting. Special problems relating to the Metro 2 credit reporting guidelines relating to bankruptcies, disputed accounts and identity theft also will be addressed.


By understanding the obligations as it pertains to consumer credit reporting, legal risks can be mitigated more effectively and certain associated problems can be addressed and resolved more efficiently and effectively.


  • You will be able to describe major credit reporting compliance obligations.
  • You will be able to recognize potential areas of litigation risk in connection with investigation in response to a credit reporting dispute.
  • You will be able to discuss Metro 2 Credit Reporting Guidelines and related obligations of CRAs and furnishers.
  • You will be able to explain CRAs’ and furnishers’ obligations in response to an ACDV.


  • METRO 2 CREDIT REPORTING GUIDELINES.
  • Furnishers’ initial reporting obligations under 15 U.S.C. § 1681s-2(a).
  • Recent FCRA and related litigation.
  • Reporting of accounts included in bankruptcy.
  • Chapter 7.
  • Chapter 13.
  • Reporting of accounts in dispute.
  • E-OSCAR AND FCRA LITIGATION RISK AND COMPLIANCE BURDEN.
  • Recent developments in FCRA/CFPB compliance requirements.
  • Responding to a CRA dispute and the ACDV System (15 U.S.C. § 1681s-2(b)).
  • Scope of review of consumer dispute.
  • Deletion of tradelines and related obligations.
  • HANDLING CONSUMER CLAIMS OF IDENTITY THEFT.


  • Lenders.
  • Branch Managers.
  • Assistant Branch Managers.
  • Customer Service Reps.
  • Risk Officers.
  • Collectors.
  • Trainers.


Dr. Gina J. Lowdermilk, PhD (ABD), CAMS, CRMS is a qualified BSA/AML and Financial Regulatory Compliance professional with extensive policy and procedure development and implementation, training, internal audit, monitoring, risk management, and reporting experience. Her emphasis has been on working with financial institutions that are experiencing regulatory concerns and resolutions, including enforcement actions such as memorandums of understanding and cease and desist orders. Her 15 years of experience has given her the opportunity to work with small community banks to large international financial institutions. Her roles not only included BSA/AML and Compliance, but also operations, lending services, business development, marketing, management, department development, and asset quality. Ms. Lowdermilk has worked with all of the financial regulators and examiners. She possesses advanced Microsoft Excel, PowerPoint, Word, Internet Explorer, Visio, and Access skills. She also has experience with FiServ, BAM, CRA Wiz, TeamMate, COGNOS, and Metavante banking software. Gina has been responsible for creating both recurring and ad hoc executive management and board presentations. In addition to her above experience, she is also an adjunct instructor for the business and construction management programs at a local college, as well as writes numerous BSA/AML and Compliance articles, training materials, and manuals as per clients’ requests.

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