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Certified Information Privacy Professional/United States (CIPP/US) Questions 81–85 (page: 18)

Updated On: 10-Feb-2026

How did the Fair and Accurate Credit Transactions Act (FACTA) amend the Fair Credit Reporting Act (FCRA)?

  1. It expanded the definition of "consumer reports" to include communications relating to employee investigations
  2. It increased the obligation of organizations to dispose of consumer data in ways that prevent unauthorized access
  3. It stipulated the purpose of obtaining a consumer report can only be for a review of the employee's credit worthiness
  4. It required employers to get an employee's consent in advance of requesting a consumer report for internal investigation purposes

Answer(s): B



Which federal act does NOT contain provisions for preempting stricter state laws?

  1. The CAN-SPAM Act
  2. The Children's Online Privacy Protection Act (COPPA)
  3. The Fair and Accurate Credit Transactions Act (FACTA)
  4. The Telemarketing Consumer Protection and Fraud Prevention Act

Answer(s): D



Which of the following is commonly required for an entity to be subject to breach notification requirements under most state laws?

  1. The entity must conduct business in the state
  2. The entity must have employees in the state
  3. The entity must be registered in the state
  4. The entity must be an information broker

Answer(s): A



What is the most likely reason that states have adopted their own data breach notification laws?

  1. Many states have unique types of businesses that require specific legislation
  2. Many lawmakers believe that federal enforcement of current laws has not been effective
  3. Many types of organizations are not currently subject to federal laws regarding breaches
  4. Many large businesses have intentionally breached the personal information of their customers

Answer(s): C



Which federal law or regulation preempts state law?

  1. Health Insurance Portability and Accountability Act
  2. Controlling the Assault of Non-Solicited Pornography and Marketing Act
  3. Telemarketing Sales Rule
  4. Electronic Communications Privacy Act of 1986

Answer(s): B



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