Final answer:
The Fair Credit Reporting Act (FCRA) is a federal law that sets out requirements for credit reporting agencies, lenders, and businesses that use consumer credit reports.
Step-by-step explanation:
The Fair Credit Reporting Act (FCRA) is actually a federal law and is not referred to as a regulation. The FCRA is designed to promote accuracy, fairness, and privacy of consumer information in the files of consumer reporting agencies. It sets out various requirements for credit reporting agencies, lenders, and businesses that use consumer credit reports. Therefore, the correct answer to the question is none of the above options, as the FCRA is not known as any specific regulation.