Businessweek

h as increasing penetration of its clients’ information solutions needs; deploying decisioning technologies and analytics worldwide; investing in unique data sources; and pursuing new vertical markets and expanding into emerging markets. Government Regulation The company’s North America Commercial Services business is less regulated than the other portions of its business, including the Fair Credit Reporting Act; the Fair and Accurate Credit Transactions Act (2003); the Financial Services Modernization Act (1999) or Gramm-Leach-Bliley Act; federal and state laws governing the use of the Internet and regulating telemarketing, including the federal Controlling the Assault of Non-Solicited Pornography and Marketing Act (2003); Fannie Mae and Freddie Mac regulations applicable to its credit reporting and mortgage solutions products, the Real Estate Settlement Procedures Act, and HUD’s Regulation X; and the Dodd-Frank Wall Street Reform and Consumer Protection Act (2010). Competition The company’s marketing services products also compete with the foregoing companies and others who offer demographic information products, including Acxiom Corporation; Harte-Hanks, Inc.; and infoGROUP, Inc. It also competes with Fair Isaac Corporation with respect to certain of its analytical tools. Competition for the company’s commercial solutions products primarily includes Experian Group Limited, The Dun & Bradstreet Corporation, and Cortera, Inc. Competition for its employment and income verification services includes Verify Jobs and First Advantage. Competition for Employer Services includes payroll processors, such as Automatic Data Processing, Inc. (ADP); Paychex, Inc.; and Ceridian Corporation. Competitors of the company’s Tax Management Services include ADP; Barnett Associates; Thomas & Thorngren; and UC Advantage. History Equifax Inc. was founded in 1899.