The Consumer Financial Protection Bureau (CFPB) has dispatched warning letters to several nationwide specialty consumer reporting agencies (CRAs) over their need to comply with Fair Credit Reporting Act (FCRA) provisions. Nationwide specialty CRAs include those that maintain files related to medical records or payments, tenant history, check writing history, employment history, and insurance claim history. The FCRA requires such entities to provide consumers with a free annual credit report and to establish a "streamlined process" for consumer access to those reports. That process must include a toll-free phone number, posted on the CRA's Web site and in the telephone directory. CRAs also must have "reasonable procedures" in place for the volume of consumers who will use the streamlined process, with clear instructions on how to request reports. Letter recipients must review their disclosures and informational listings to ensure compliance and contact the CFPB within 30 days.