Are FCRA's limitations on the purposes for which credit reports can be used reasonable? Effective in protecting privacy? What other approaches might be appropriate?

15 U.S.C. 1681 Westlaw, "Understanding the FCRA's Requirements for Financial Institutions". Federal Trade Commission, 40 Years of Experience with the Fair Credit Reporting Act, pp.1-16 Smith v. Bob Smith Chevrolet, Inc., 275 F.Supp.2d 808 (W.D.Ky. 2003) (section III of opinion) Spokeo v. Robins, 136 S.Ct. 1540 (2016) Kidd v. Thomson Reuters, 925 F3d 99 (2d Cir. 2019) 15 U.S.C. 1681-1681i: Emphasizing sections 601-604, 606-610,613-617, 623-624 (skim and to be used as reference) FDIC Consumer Compliance Examination Manual "Fair Credit Reporting Act" (September 2015)