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Memorandum brief of the United States, in which both the FTC and the Consumer Financial Protection Bureau joined, supporting the constitutionality of the Fair Credit Reporting Act (“FCRA”) provision that bars consumer reporting agencies, in most cases, from disclosing an individual’s arrest record or other adverse information that is more than seven years old. The brief argues that the court should not invalidate this FCRA provision as unconstitutional because it “directly advances the substantial government interest in protecting individuals’ privacy and is no more extensive than necessary to serve that interest.”