Google admits to violating federal law and plans to keep doing it

Re:Google admits to violating federal law and plans to keep ... by al2o3cr on Thursday December 01, 2022 @02:05PM (#33821011)

Nitpick: depending on how the financing is structured, it may not be under CFPB jurisdiction at all - the DOJ explainer on the ECOA says that retailers and "finance companies" are the FTC's responsibility.

https://www.justice.gov/crt/equal-credit-opportunity-act-3

IANAL but I do suspect the counter-argument would be that their internal fraud processes & metrics have determined there's NO approach that produces "reasonable belief" of the user's identity as required before issuing credit for a report with a fraud alert.

https://www.govinfo.gov/content/pkg/USCODE-2011-title15/html...

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Re:Google admits to violating federal law and plans to keep ... by throwaway82028 on Thursday December 01, 2022 @02:21PM (#33821284)

The CFPB did end up forwarding the complaint and I did notify the DoJ as well. I agree that they'll probably try to argue anything they can to deny responsibility.

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