Answer:
The Fair Credit Reporting Act (FCRA) is a federal law that regulates the collection of consumers' credit information and access to their credit reports. It was passed in 1970 to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies.
Explanation:
Pertaining to, similar to, or being the region immediately south of the Arctic circle; subpolar.
Trade and warfare. Trade can increase the countries wealth where war can destabilize a region leading to economic downturns.