Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: Re: TU's "You are using a CRO response" The "pre-emption" provision of the old FCRA expired 12/31/03. "Sunset" To avoid a gap in the pre-emption component between the old FCRA and the new one (which makes it permenant) it was made effective 1/1/04. The provisions which require NO burdensome adjustments on the part of credit industry will be effective March, 1 2004. Those provisions which require large procedural adjustments for the companies in the industry will have until 12/31/2004, to comply. Naturally they're already bitchin about it. I think they want an extra 5 years or some crap. lol .