The FCRA clearly does not ignore the issue of availbility of credit scores to consumers. FCRA 609(f) goes into detail in stating that a CRA is not obligated to provide scores generated from their data by a third party, such as FICO, or to entertain any disputes regarding the availability, or content, of a credit score.
It is called capitalism. Congress, unless there are unfair trade practive issues, usually stays clear ot telling private companies how to run their business.
Credit scoring was initially developed with the creditors as the sole market. Yes,they later saw consumer interest in seeing their scores, so branched out into the lucrative side-market of additionally offering to sell scores directly to consumers through such sites as myFICO. EX, for whatever reason, has decided to bow out of that market.
It is legal because congress has never made it illegal.
