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EXECUTIVE SUMMARY
Section 215 of the FACT Act (FACTA) requires the Federal Trade Commission (FTC or the Commission) and the Federal Reserve Board (FRB), in consultation with the Department of Housing and Urban Development, to study whether credit scores and credit-based insurance scores affect the availability and affordability of consumer credit, as well as automobile and homeowners insurance.

Efficiency Works
Creating Good Jobs and New Markets Through Energy Efficiency

Introduction and Summary
The United States is mired in an urgent jobs crisis. Despite some early signs of a sustained economic recovery, in many parts of the country the debilitating fallout from the Great Recession on employment remains a painful fact of daily life.

Few industries have felt the economic downturn harder than the construction industry, which suffered the most from the consequences of a decade of gross mismanagement of our nation’s mortgage markets and financial services industries.

INTRODUCTION

Mass-marketing fraud is a term increasingly used around the world to refer to fraud schemes that use mass-communications media – including telephones, the Internet, mass mailings, television, radio, and even personal contact – to contact, solicit, and obtain money, funds, or other items of value from multiple victims in one or more jurisdictions.

Introduction: Overall CEO Pay Trends

America’s CEOs had a terribly rough 2009. Or so the national and regional executive pay surveys released so far this year would suggest. “CEOs See Pay Fall Again,” blared one headline early this past spring.1 “CEO pay rankings dominated by large salary cuts,” read another in June.2 “Silicon Valley bosses,” summed up still another, “get pay cut.”

Malware Security Report
Protecting Your Business, Customers and Bottom Line

Understand the threats from Malware and how it can impact your online business.

Malware is a growing problem online as hackers discover new ways to exploit security weaknesses on web servers to gain access to websites. Unfortunately malware code is not easily detectable and may infect Internet users' computers when they simply browse a website. Avoid being compromised – not only will you protect your business and customers, but also your bottom line.

Overview
The ‘passive’ FX market is seeing more activity to generate returns, says Steve Johnson

This Policy Information Report follows up on a 2003 report Parsing the Achievement Gap: Baselines for Tracking Progress. This updated report tracks 16 factors related to academic performance, ranging from low birth weight to teacher quality. While some gaps have narrowed, other have widened.