{"id":4184,"date":"2019-12-06T13:32:52","date_gmt":"2019-12-06T04:32:52","guid":{"rendered":"https:\/\/moneyforward.com\/mf_blog\/?p=4184"},"modified":"2021-08-10T21:39:44","modified_gmt":"2021-08-10T12:39:44","slug":"alternative","status":"publish","type":"post","link":"https:\/\/moneyforward.com\/mf_blog\/20191206\/alternative\/","title":{"rendered":"\u7c73\u9023\u90a6\u898f\u5236\u5f53\u5c40\u306b\u3088\u308b\u30aa\u30eb\u30bf\u30ca\u30c6\u30a3\u30d6\u30c7\u30fc\u30bf\u306b\u95a2\u3059\u308b\u5171\u540c\u58f0\u660e"},"content":{"rendered":"\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<p>2019\u5e7412\u67083\u65e5\u306b\u7c73\u9023\u90a6\u898f\u5236\u6a5f\u95a2\u3067\u3042\u308bFRS\uff08\u9023\u90a6\u6e96\u5099\u5236\u5ea6\uff09\u3001FDIC\uff08\u9023\u90a6\u9810\u91d1\u4fdd\u967a\u516c\u793e\uff09\u3001CFPB\uff08\u6d88\u8cbb\u8005\u91d1\u878d\u4fdd\u8b77\u5c40\uff09\u3001NCUA\uff08\u56fd\u7acb\u4fe1\u7528\u7d44\u5408\u7ba1\u7406\u5c40\uff09\u3001OCC\uff08\u901a\u8ca8\u76e3\u7763\u5e81\uff09\u304c\u5171\u540c\u3067\u3001\u4e0e\u4fe1\u5be9\u67fb\u306b\u304a\u3051\u308b\u30aa\u30eb\u30bf\u30ca\u30c6\u30a3\u30d6\u30c7\u30fc\u30bf\u5229\u7528\u306b\u5411\u3051\u305f\u58f0\u660e\u3092<a href=\"https:\/\/www.fdic.gov\/news\/news\/speeches\/spdec0319.pdf\">\u516c\u8868\u3057\u3066\u3044\u307e\u3059<\/a>&nbsp;\u3002<\/p>\n\n\n\n<p> \u58f0\u660e\u3067\u306f\u3001\u30aa\u30eb\u30bf\u30ca\u30c6\u30a3\u30d6\u30c7\u30fc\u30bf\u306e\u6d3b\u7528\u304c\u4e0e\u4fe1\u6c7a\u5b9a\u307e\u3067\u306e\u30b9\u30d4\u30fc\u30c9\u3092\u65e9\u3081\u3001\u73fe\u5728\u306e\u4e0e\u4fe1\u4f53\u7cfb\u3067\u306f\u878d\u8cc7\u3092\u53d7\u3051\u3089\u308c\u306a\u3044\u4f01\u696d\u306e\u8a55\u4fa1\u304c\u53ef\u80fd\u3068\u306a\u308b\u3068\u8ff0\u3079\u3066\u3044\u307e\u3059\u3002\u307e\u305f\u3001\u6d88\u8cbb\u8005&nbsp;\u306b\u5bfe\u3059\u308b\u4e0e\u4fe1\u5be9\u67fb\u6642\u306b\u306f\u5bb6\u8a08\u30c7\u30fc\u30bf\u3084\u5bb6\u8cc3\u652f\u6255\u3044\u5c65\u6b74\u306a\u3069\u30d7\u30e9\u30a4\u30d0\u30b7\u30fc\u3078\u306e\u914d\u616e\u304c\u6c42\u3081\u3089\u308c\u308b\u3053\u3068\u304b\u3089\u3001\u300c\u8cac\u4efb\u3042\u308b\u30aa\u30eb\u30bf\u30ca\u30c6\u30a3\u30d6\u30c7\u30fc\u30bf\u306e\u5229\u7528\u300d\u3092\u63a8\u5968\u3059\u308b\u3068\u3068\u3082\u306b\u300c\u5f93\u6765\u306e\u4e0e\u4fe1\u57fa\u6e96\u3068\u306a\u308b\u30c7\u30fc\u30bf\u3088\u308a\u3082\u660e\u3089\u304b\u306a\u30ea\u30b9\u30af\u3092\u5f15\u304d\u8d77\u3053\u3059\u3082\u306e\u3067\u306f\u306a\u3044\u300d\u3068\u4ed8\u8a18\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<p>  \u9023\u90a6\u898f\u5236\u5f53\u5c40\u306f\u3001\u300c\u4f01\u696d\u304c\u878d\u8cc7\u306e\u8fd4\u6e08\u529b\u8a55\u4fa1\u3092\u76ee\u7684\u3068\u3057\u3066\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u30c7\u30fc\u30bf\u306e\u5229\u7528\u3092\u81ea\u52d5\u5316\u3059\u308b\u6d41\u308c\u304c\u8d77\u3053\u308a\u3064\u3064\u3042\u308b\u300d\u3068\u8a8d\u8b58\u3057\u3066\u3001\u3053\u306e\u30a2\u30d7\u30ed\u30fc\u30c1\u3092\u5bb9\u8a8d\u3059\u308b\u59ff\u52e2\u3092\u3068\u3063\u3066\u3044\u307e\u3059\u3002 <\/p>\n\n\n\n<p> \u4e0e\u4fe1\u5be9\u67fb\u306b\u304a\u3051\u308b\u30aa\u30eb\u30bf\u30ca\u30c6\u30a3\u30d6\u30c7\u30fc\u30bf\u306e\u6d3b\u7528\u306f\u3001\u6a5f\u68b0\u5b66\u7fd2\u3084AI\u306b\u3088\u308b\u5be9\u67fb\u306e\u81ea\u52d5\u5316\u30fb\u30af\u30ec\u30b8\u30c3\u30c8\u30b9\u30b3\u30a2\u306e\u9032\u5316\u306b\u3064\u306a\u304c\u3063\u3066\u304a\u308a\u3001\u501f\u308a\u624b\u306e\u9078\u629e\u80a2\u3092\u62e1\u5927\u3059\u308b\u3082\u306e\u3068\u306a\u308a\u307e\u3059\u3002 <\/p>\n\n\n\n<p> \u500b\u4eba\u5411\u3051\u3067\u306f\u300c\u3053\u308c\u307e\u3067\u6642\u9593\u3092\u304b\u3051\u3066\u53ce\u652f\u3092\u8a55\u4fa1\u3057\u3066\u304d\u305f\u5f62\u304b\u3089\u3001\u30c7\u30fc\u30bf\u306b\u3088\u308a\u4eca\u5f8c\u306e\u53ce\u5165\u898b\u8fbc\u307f\u3092\u63a8\u6e2c\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u3001\u753b\u4e00\u7684\u3067\u306f\u306a\u3044\u60c5\u5831\u304b\u3089\u4fe1\u7528\u529b\u3092\u793a\u305b\u308b\u3053\u3068\u306f\u6d88\u8cbb\u8005\u306b\u3068\u3063\u3066\u7279\u306b\u6709\u76ca\u3067\u3042\u308b\u300d\u3068\u306e\u898b\u65b9\u3092\u793a\u3057\u3066\u3044\u307e\u3059\u3002 <\/p>\n\n\n\n<p> \u7c73\u56fd\u306e\u898f\u5236\u6cd5\u3067\u3042\u308b \u201c<a href=\"https:\/\/fraser.stlouisfed.org\/files\/docs\/historical\/congressional\/fair-credit-billing-1974.pdf\">Equal Credit Opportunity Act<\/a>\u201d\uff08\u4fe1\u7528\u6a5f\u4f1a\u5e73\u7b49\u6cd5\uff09\u53ca\u3073\u9023\u90a6\u6cd5\u306e \u201c<a href=\"https:\/\/www.govinfo.gov\/content\/pkg\/STATUTE-84\/pdf\/STATUTE-84-Pg1114-2.pdf\">Fair Credit Reporting Act<\/a>\u201d\uff08\u516c\u6b63\u4fe1\u7528\u5831\u544a\u6cd5\uff09\u306b\u304a\u3044\u3066\u3001\u6d88\u8cbb\u8005\u306f\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u30c7\u30fc\u30bf\u3078\u306e\u30a2\u30af\u30bb\u30b9\u3092\u660e\u793a\u7684\u306b\u8a31\u53ef\u3059\u308b\u3053\u3068\u304c\u4fdd\u8a3c\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u307e\u305f\u3001\u50b5\u6a29\u8005\u304c\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u30c7\u30fc\u30bf\u3092\u5229\u7528\u3059\u308b\u969b\u306b\u306f\u3001\u501f\u308a\u624b\u306b\u5bfe\u3057\u8aac\u660e\u3084\u60c5\u5831\u958b\u793a\u3092\u3059\u308b\u3053\u3068\u304c\u8981\u6c42\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u3089\u306f\u3001\u4eba\u7a2e\u3084\u5bb6\u65cf\u5f62\u614b\u7b49\u306b\u3088\u3063\u3066\u4fe1\u7528\u6a5f\u4f1a\u306e\u5dee\u5225\u304c\u884c\u308f\u308c\u306a\u3044\u3068\u3044\u3046<a href=\"https:\/\/www.consumer.ftc.gov\/articles\/0347-your-equal-credit-opportunity-rights\">\u7acb\u6cd5\u8da3\u65e8<\/a>\u3092\u88dc\u5b8c\u3059\u308b\u4f4d\u7f6e\u3065\u3051\u306b\u3042\u308b\u3068\u3082\u3044\u3048\u307e\u3059\u3002 <\/p>\n\n\n\n<p> \u4eca\u56de\u306e\u8868\u660e\u306f\u3001\u6563\u9038\u3059\u308b\u30c7\u30fc\u30bf\u3092\u52b9\u7387\u7684\u306b\u81ea\u52d5\u96c6\u7d04\u30fb\u81ea\u52d5\u5206\u6790\u3059\u308b\u6d41\u308c\u3092\u63a8\u9032\u3059\u308b\u3068\u3068\u3082\u306b\u3001\u8cac\u4efb\u3042\u308b\u5229\u7528\u3092\u6c42\u3081\u3066\u3044\u304f\u3079\u304d\u3068\u3044\u3046\u8003\u3048\u3092\u793a\u3057\u305f\u3082\u306e\u3068\u307f\u3089\u308c\u307e\u3059\u3002\u6280\u8853\u306e\u524d\u5411\u304d\u306a\u9762\u3092\u8a55\u4fa1\u3057\u3064\u3064\u3001\u30c7\u30fc\u30bf\u6642\u4ee3\u306e\u4fe1\u7528\u306e\u3042\u308a\u65b9\u306b\u3082\u89e6\u308c\u3066\u3044\u308b\u70b9\u304c\u610f\u7fa9\u3068\u3044\u3048\u307e\u3059\u3002 <\/p>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>2019\u5e7412\u67083\u65e5\u306b\u7c73\u9023\u90a6\u898f\u5236\u6a5f\u95a2\u304c\u5171\u540c\u3067\u3001\u4e0e\u4fe1\u5be9\u67fb\u306b\u304a\u3051\u308b\u30aa\u30eb\u30bf\u30ca\u30c6\u30a3\u30d6\u30c7\u30fc\u30bf\u5229\u7528\u306b\u5411\u3051\u305f\u58f0\u660e\u3092\u516c\u8868\u3057\u3066\u3044\u307e\u3059 \u3002<\/p>\n","protected":false},"author":10,"featured_media":4189,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[19],"tags":[],"class_list":["post-4184","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-policy"],"acf":[],"_links":{"self":[{"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/posts\/4184","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/comments?post=4184"}],"version-history":[{"count":8,"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/posts\/4184\/revisions"}],"predecessor-version":[{"id":4941,"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/posts\/4184\/revisions\/4941"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/media\/4189"}],"wp:attachment":[{"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/media?parent=4184"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/categories?post=4184"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/moneyforward.com\/mf_blog\/wp-json\/wp\/v2\/tags?post=4184"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}