What ensures that consumer information is protected from unauthorized access?

The Fair Credit Reporting Act (FCRA) is the correct choice because it specifically addresses the protection of consumer information by regulating how credit reporting agencies can collect, disseminate, and use personal data. This law serves to ensure that consumers have the right to access their credit reports and dispute any inaccuracies found, which promotes transparency and accountability in the handling of personal information.

Furthermore, the FCRA includes provisions that restrict who can obtain a consumer's credit report, ensuring that only those with a legitimate need—such as lenders or certain employers—can access this sensitive information. This regulation plays a critical role in safeguarding personal financial data against unauthorized access and helps prevent identity theft.

The other options, while relevant to various aspects of consumer protection and regulation, do not specifically focus on the privacy and security of consumer information in the same context as the Fair Credit Reporting Act.