WASHINGTON--Insurance industry groups are hailing a Supreme Court ruling that will keep questions about how to interpret willful violations of the Fair Credit Reporting Act from going to a jury.

In vacating a Third Circuit Court of Appeals decision, the high court effectively ruled that the issue should be decided as a matter of law. The lower court ruling said it should be decided by a jury.

Under the FCRA, companies are required to provide notice to consumers when they take an "adverse action" such as offering higher rates based on their credit information, and a willful violation can subject them to penalties.

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