Which of the following is a focus of the Fair Credit Reporting Act?

The Fair Credit Reporting Act (FCRA) primarily focuses on consumer privacy protection. This legislation is designed to promote accuracy, fairness, and the privacy of consumer information contained in the files of consumer reporting agencies. Under the FCRA, consumers have the right to know what information is being collected about them, how it is used, and to dispute inaccuracies. This emphasis on safeguarding consumer information and ensuring that it is handled appropriately reflects the core intention of the Act.

Other options, while relevant to different areas of consumer finance and labor rights, do not align with the primary goals of the FCRA. For instance, regulating interest rates falls under different financial regulations; establishing minimum wage standards is governed by labor laws; and oversight of mortgage lending is managed through various regulatory bodies specifically dealing with mortgage laws and practices, not the FCRA.