The correct response is FCRA (Fair Credit Reporting Act). The FCRA is a federal law that regulates how consumer credit information is collected, accessed, and shared, and it would affect what information is available about Jabez's credit history when applying for a car loan.
HIPAA (Health Insurance Portability and Accountability Act) pertains to health information privacy, COPPA (Children's Online Privacy Protection Act) relates to children's online data protection, and FTCA (Federal Tort Claims Act) is not relevant to credit reporting.
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