Which of the following is NOT covered by the FCRA?

The Fair Credit Reporting Act (FCRA) primarily focuses on the collection, dissemination, and use of consumer credit information, as well as the rights of consumers related to their credit reports. It establishes guidelines for how consumer reporting agencies must operate, including their responsibilities and the procedures for handling disputes regarding the accuracy of the information in credit reports. This includes a framework for consumers to dispute inaccuracies and obligates reporting agencies to investigate those disputes.

Among the options provided, regulation of consumer loan contracts is distinct from the FCRA's main objectives. While the FCRA does touch on aspects related to credit information that might be utilized in loan agreements, it does not regulate the actual terms and conditions of consumer loan contracts themselves. Loan contracts are generally governed by other laws and regulations, focusing on the rights and obligations of lenders and borrowers rather than on credit reporting practices.

Thus, the regulation of consumer loan contracts does not fall under the purview of the FCRA, making this choice the one that is not covered by the Act.