Comments:

     To the FTC, RE FACTA Free File Disclosures Proposed Rule, Matter No. R411005

     Please support faster free credit reports

     I urge you to ensure that the new Congressionally-mandated annual free credit reports are available more

     quickly to all Americans.

     I understand that credit bureaus are businesses and should have some opportunites to peddle their

     products, but I don't think it is fair to delay access to an important new right in order to do so.

     The rule should make clear that information is only collected to verify identity. Ordinary consumers should not

     have to give up -- or be led to believe they have to give up -- personal information to take advantage of an

     important new federal right.

     Again, please craft this rule so as not to delay access to free credit reports.

     Robert Carney