WASHINGTON-NCUA and the rest of the Federal Financial Institutions Examination Council agencies have issued final rules on obtaining or using medical information in connection with determining credit eligibility. Under the Fair Credit Reporting Act (FCRA) as amended by the Fair and Accurate Credit Transactions Act (FACT Act), a creditor may not obtain or use medical information in connection with any determination of a consumer’s eligibility, or continued eligibility, for credit, except as permitted by regulations. The FACT Act requires, and the agencies have just released, regulations that permit creditors to obtain and use medical information for credit eligibility purposes in certain circumstances to protect legitimate operational, transactional, risk, consumer, and other needs. The effective date is April 1, 2006. The proposed rules were published for comment on April 28, 2004, and interim final rules were adopted by the agencies on June 10, 2005.