How well do FCRA's definitions and categories work in the internet age? For instance, given the ease of information gathering, is the definition of "consumer reporting agency" or "credit report" too broad? Conversely, might the ease of information gathering argue for even broader definitions?

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)