This is an ethics question for computer scientists and engineers.

The Fair and Accurate Credit Transactions Act (check any that applies)

A. has provisions to reduce identity theft.

B. gives consumers the right to request a free copy of their credit report every year.

C. ensures that people with criminal convictions are still able to obtain credit.

D. makes it possible for a consumer to declare bankruptcy without harming his or her credit rating.

E. allows credit bureaus to sell personal financial information they have gathered.