Indicate whether each of the actions listed below will immediately increase (I), decrease (D), or have no effect (N) on the ratios shown. Assume each ratio is greater than 1.0 before the action is taken.
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Definitions:
Credit-Reporting Agencies
Entities that collect and disseminate information about the credit history of individuals and businesses.
Fair Credit Reporting Act
A federal law designed to ensure the accuracy, fairness, and privacy of consumer information contained in the files of credit reporting agencies.
Regulation Z
A set of rules issued by the Federal Reserve Board of Governors to implement the provisions of the Truth-in-Lending Act.
Federal Reserve Board Of Governors
The governing body of the Federal Reserve System, overseeing the central banking system of the United States.
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