Update Florida Civil Rights Act

Dun & Bradstreet patents indicate profiling partly based on demographics, rent district and per capita income to score credibility of a business and/or the business owner. This would be illegal if scoring personal credit. Since business credit reporting is unregulated and not subject to the Fair Credit Reporting Act, business credit reporting bureaus can profile any business or business owner in any way they so choose. This video advocates for the federal regulation of business credit reporting.

This video also discusses how food desserts (the lack of food stores in an area) may be linked to how business credit reporting is scored.

D&B’s partner, Regulatory Data Corp. (RDC), tracks business owners, and others, by race, hair color, eye color, language, nationality, and other variables for compliance purposes. D&B and RDC share information. What are they doing with that information? We don’t know how RDC and D&B are handling the data or how they’re making decisions. Their patents reveal clues and spark questions.

Let’s assume for a moment that D&B, and their partners and licensees, are completely innocent of any and all wrongdoing. If that’s the case, they shouldn’t object to federally banning illegal discrimination as it relates to business credit reporting. You won’t know if there’s a violation until there’s a law to address the problem.

D&B develops watch lists of addresses, people and companies they consider “high risk.” D&B also helps other businesses create watchlists.

Q: Who is watching D&B?

A: No one, due to a lack of federal regulation.

I think business credit reporting should be federally regulated, don’t you?

The Florida Civil Rights Act of 1992 needs updating to close the loophole of the online platform. Online ride-sharing, online house-sharing and online business credit reporting are exempt from investigation from the Florida Commission on Human Relations when doing business in Florida.