Customers who paid on a credit card can claim their money back from the card company through provisions under Section 75 of the Consumer Credit Act.

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R. 3149, was introduced this summer to amend the Fair Credit Reporting Act to prohibit the use of consumer credit checks against prospective and current employees for the purposes of making adverse employment decisions.

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But as the government has strengthened regulation of consumer credit cards via the CARD Act, it has shied away from similar changes on the small-business side.

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