Which act, enacted in 2003, permanently extended the provisions of the FCRA?

The Fair and Accurate Credit Transactions Act (FACTA), enacted in 2003, is significant because it amended the Fair Credit Reporting Act (FCRA) and made permanent several key provisions regarding consumer credit information. FACTA aimed to improve the accuracy of consumer credit reports and to enhance consumer protections against identity theft. One of the major components of FACTA is the requirement for credit reporting agencies to provide consumers with access to their credit reports, allowing them to identify and dispute inaccuracies.

Additionally, FACTA introduced safeguards, such as the protection of consumers' personal information and procedures for consumers to obtain their credit scores. By making these enhancements permanent, FACTA reinforced the framework established by FCRA while also addressing new challenges related to credit reporting and identity theft faced throughout the banking and lending industries.

Therefore, the correct answer, which is FACTA, reflects the act's role in extending and expanding the consumer protections originally established by FCRA.