The act of providing compensation for a loss with the intent to restore an individual or entity to the approximate financial position prior to the loss. Warranty Fair and Accurate Credit Transactions Act (FACTA): A federal law of the United States, which is an amendment to the Fair Credit Reporting Act. This act provides additional protection to the consumers, especially in the context of prevention, as well as remediation, of identity theft, and accuracy of credit reports. The law governs how to store, share and monitor consumer information, and also empowers the consumers to request and obtain a free copy of their credit reports once in a year, from each of the three major credit reporting agencies.
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