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The FCRA regulates who or what?

a. The FCRA regulates financial institution management of nonpublic personal information, defined as personally identifiable financial information.
b. The FCRA regulates consumer reporting agencies (CRA) and provides privacy rights in consumer reports.
c. The FCRA regulates the relationship between consumers and providers of financial products.
d. The FCRA contains regulations relating to currency transactions, transportation of monetary instruments, and the purchase of currency-like instruments.