Which of the following is NOT a primary focus of the FCRA?

The Fair Credit Reporting Act (FCRA) primarily aims to promote the accuracy, fairness, and privacy of consumer information held by credit reporting agencies. By focusing on enhancing fairness in consumer credit reporting, protecting consumer privacy, and regulating how consumer reporting agencies operate, the FCRA addresses key areas that impact consumers' access to credit and their overall financial wellbeing.

Establishing penalties specifically for credit fraud is not a primary focus of the FCRA. While the law does impose certain responsibilities and requirements on credit reporting agencies and users of consumer reports, the act itself does not primarily serve to define or enforce penalties related to credit fraud; rather, this aspect may be covered by other laws and regulations related to fraud prevention and enforcement. Therefore, identifying penalties for credit fraud is separate from the core objectives of the FCRA.