How did the Fair and Accurate Credit Transactions Act (FACTA) amend the Fair Credit Reporting Act (FCRA)?

How did the Fair and Accurate Credit Transactions Act (FACTA) amend the Fair Credit Reporting Act (FCRA)?
A . It expanded the definition of “consumer reports” to include communications relating to employee investigations
B . It increased the obligation of organizations to dispose of consumer data in ways that prevent unauthorized access
C . It stipulated the purpose of obtaining a consumer report can only be for a review of the employee’s credit worthiness
D . It required employers to get an employee’s consent in advance of requesting a consumer report for internal investigation purposes

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Answer: B