15 U.S.C. ch. 41 subch. III — Credit Reporting Agencies (Fair Credit Reporting Act, §§ 1681 et seq.)

Procedure in case of disputed accuracy

— Procedure in case of disputed accuracy (a) Reinvestigations of disputed information (1) Reinvestigation required (A) In general Subject to subsection (f) and…

Affiliate sharing

— Affiliate sharing (a) Special rule for solicitation for purposes of marketing (1) Notice Any person that receives from another person related to it by common…

Permissible purposes of consumer reports

— Permissible purposes of consumer reports (a) In general Subject to subsection (c), any consumer reporting agency may furnish a consumer report under the…

Congressional findings and statement of purpose

— Congressional findings and statement of purpose (a) Accuracy and fairness of credit reporting The Congress makes the following findings: (1) The banking…

Administrative enforcement

— Administrative enforcement (a) Enforcement by Federal Trade Commission (1) In general The Federal Trade Commission shall be authorized to enforce compliance…

Jurisdiction of courts; limitation of actions

— Jurisdiction of courts; limitation of actions An action to enforce any liability created under this subchapter may be brought in any appropriate United…

Requirements on users of consumer reports

— Requirements on users of consumer reports (a) Duties of users taking adverse actions on basis of information contained in consumer reports If any person…

Responsibilities of furnishers of information to consumer reporting agencies

— Responsibilities of furnishers of information to consumer reporting agencies (a) Duty of furnishers of information to provide accurate information

Identity theft prevention; fraud alerts and active duty alerts

— Identity theft prevention; fraud alerts and active duty alerts (a) One-call fraud alerts (1) Initial alerts Upon the direct request of a consumer, or an…

Disclosures to governmental agencies

— Disclosures to governmental agencies Notwithstanding the provisions of section 1681b of this title , a consumer reporting agency may furnish identifying…

Charges for certain disclosures

— Charges for certain disclosures (a) Free annual disclosure (1) Nationwide consumer reporting agencies (A) In general All consumer reporting agencies…

Relation to State laws

— Relation to State laws (a) In general Except as provided in subsections (b) and (c), this subchapter does not annul, alter, affect, or exempt any person…

Civil liability for negligent noncompliance

— Civil liability for negligent noncompliance (a) In general Any person who is negligent in failing to comply with any requirement imposed under this…

Corporate and technological circumvention prohibited

— Corporate and technological circumvention prohibited The Commission shall prescribe regulations, to become effective not later than 90 days after December 4…

Conditions and form of disclosure to consumers

— Conditions and form of disclosure to consumers (a) In general (1) Proper identification A consumer reporting agency shall require, as a condition of making…

Civil liability for willful noncompliance

— Civil liability for willful noncompliance (a) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with…

Restrictions on investigative consumer reports

— Restrictions on investigative consumer reports Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the…

Disclosures to governmental agencies for counterterrorism purposes

— Disclosures to governmental agencies for counterterrorism purposes (a) Disclosure Notwithstanding section 1681b of this title or any other provision of this…

Disclosures to consumers

— Disclosures to consumers (a) Information on file; sources; report recipients Every consumer reporting agency shall, upon request, and subject to section…

Obtaining information under false pretenses

— Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under…

Adverse information in cases of trafficking

— Adverse information in cases of trafficking (a) Definitions In this section: (1) Trafficking documentation The term “trafficking documentation” means— (A)…

Disclosures to FBI for counterintelligence purposes

— Disclosures to FBI for counterintelligence purposes (a) Identity of financial institutions Notwithstanding section 1681b of this title or any other provision…

Compliance procedures

— Compliance procedures (a) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid…

Disclosure of investigative consumer reports

— Disclosure of investigative consumer reports (a) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer…

Disposal of records

— Disposal of records (a) Regulations (1) In general The Federal Trade Commission, the Securities and Exchange Commission, the Commodity Futures Trading…

Public record information for employment purposes

— Public record information for employment purposes (a) In general A consumer reporting agency which furnishes a consumer report for employment purposes and…

Definitions; rules of construction

— Definitions; rules of construction (a) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter…

Information on overdue child support obligations

— Information on overdue child support obligations Notwithstanding any other provision of this subchapter, a consumer reporting agency shall include in any…

Block of information resulting from identity theft

— Block of information resulting from identity theft (a) Block Except as otherwise provided in this section, a consumer reporting agency shall block the…

Requirements relating to information contained in consumer reports

— Requirements relating to information contained in consumer reports (a) Information excluded from consumer reports Except as authorized under subsection (b)…

Unauthorized disclosures by officers or employees

— Unauthorized disclosures by officers or employees Any officer or employee of a consumer reporting agency who knowingly and willfully provides information…

Charges for certain disclosures

— Charges for certain disclosures 2003. (C) Nationwide specialty consumer reporting agency (i) In general The Commission 2 shall prescribe regulations…

Identity theft prevention; fraud alerts and active duty alerts

— Identity theft prevention; fraud alerts and active duty alerts (2) Access to free reports In any case in which a consumer reporting agency includes a fraud…

Civil liability for willful noncompliance

— Civil liability for willful noncompliance (3) in the case of any successful action to enforce any liability under this section, the costs of the action…

Disclosures to governmental agencies for counterterrorism purposes

— Disclosures to governmental agencies for counterterrorism purposes (1) Prohibition (A) In general If a certification is issued under subparagraph (B) and…

Relation to State laws

— Relation to State laws (1) with respect to any subject matter regulated under— (A) subsection (c) or (e) of section 1681b of this title , relating to the…

Definitions; rules of construction

— Definitions; rules of construction (3), the term “consumer report” does not include— (A) subject to section 1681s–3 of this title , any— (i) report…

Disclosures to FBI for counterintelligence purposes

— Disclosures to FBI for counterintelligence purposes of employment, or former places of employment, to the Federal Bureau of Investigation when presented with…

Administrative enforcement

— Administrative enforcement (1), and subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq.], subsection (b). 1 For…

Requirements relating to information contained in consumer reports

— Requirements relating to information contained in consumer reports (7) With respect to a consumer reporting agency described in section 1681a(p) of this…

Procedure in case of disputed accuracy

— Procedure in case of disputed accuracy (2) Prompt notice of dispute to furnisher of information (A) In general Before the expiration of the 5-business-day…

Disclosure of investigative consumer reports

— Disclosure of investigative consumer reports (1), make a complete and accurate disclosure of the nature and scope of the investigation requested. This…

Affiliate sharing

— Affiliate sharing (1)(B) to prohibit the making of solicitations shall be effective for at least 5 years, beginning on the date on which the person receives…

Compliance procedures

— Compliance procedures (1) Notice requirement A consumer reporting agency shall provide to any person— (A) who regularly and in the ordinary course of…

Disclosures to consumers

— Disclosures to consumers (1) of this title ) that procured a consumer report— (i) for employment purposes, during the 2-year period preceding the date on…

Permissible purposes of consumer reports

— Permissible purposes of consumer reports (3) To a person which it has reason to believe— (A) intends to use the information in connection with a credit…

Conditions and form of disclosure to consumers

— Conditions and form of disclosure to consumers (1) that disclosures under section 1681g of this title shall be made— (A) in person, upon the appearance of…

Block of information resulting from identity theft

— Block of information resulting from identity theft (1) In general A consumer reporting agency may decline to block, or may rescind any block, of information…

Responsibilities of furnishers of information to consumer reporting agencies

— Responsibilities of furnishers of information to consumer reporting agencies (1) Prohibition (A) Reporting information with actual knowledge of errors A…

Requirements on users of consumer reports

— Requirements on users of consumer reports (3), which notice shall include an indication of the 60-day period under that section for obtaining such a copy…

Block of information resulting from identity theft

— Block of information resulting from identity theft (1) No reseller file This section shall not apply to a consumer reporting agency, if the consumer…

Responsibilities of furnishers of information to consumer reporting agencies

— Responsibilities of furnishers of information to consumer reporting agencies monthly payments in a number that demonstrates, in the assessment of the…

Administrative enforcement

— Administrative enforcement (2) Penalties (A) Knowing violations Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010…

Conditions and form of disclosure to consumers

— Conditions and form of disclosure to consumers adverse action, based in whole or in part on the report 2 except as to false information furnished with malice…

Disclosure of investigative consumer reports

— Disclosure of investigative consumer reports (3) Certain public record information Except as otherwise provided in section 1681k of this title , a consumer…

Definitions; rules of construction

— Definitions; rules of construction (2) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by…

Charges for certain disclosures

— Charges for certain disclosures such additional period not to exceed 3 months, as the Bureau determines appropriate). (2) Timing A consumer reporting agency…

Requirements relating to information contained in consumer reports

— Requirements relating to information contained in consumer reports (3) the employment of any individual at an annual salary which equals, or which may…

Compliance procedures

— Compliance procedures (2) Responsibilities of procurers for resale A person who procures a consumer report for purposes of reselling the report (or any…

Identity theft prevention; fraud alerts and active duty alerts

— Identity theft prevention; fraud alerts and active duty alerts (1) In general Upon the direct request of a consumer, or an individual acting on behalf of or…

Disclosures to consumers

— Disclosures to consumers (6) If the consumer requests the credit file and not the credit score, a statement that the consumer may request and obtain a credit…

Affiliate sharing

— Affiliate sharing (4) Scope This section shall not apply to a person— (A) using information to make a solicitation for marketing purposes to a consumer with…

Disclosures to governmental agencies for counterterrorism purposes

— Disclosures to governmental agencies for counterterrorism purposes (2) Exception (A) In general A consumer reporting agency that receives a request under…

Relation to State laws

— Relation to State laws 1996 ); (G) section 1681g(e) of this title , relating to information available to victims under section 1681g(e) of this title ; (H)…

Disclosures to FBI for counterintelligence purposes

— Disclosures to FBI for counterintelligence purposes furnish a consumer report to the Federal Bureau of Investigation, upon a showing in camera that the…

Requirements on users of consumer reports

— Requirements on users of consumer reports (2) Duties of person taking certain actions based on information provided by affiliate (A) Duties, generally If a…

Permissible purposes of consumer reports

— Permissible purposes of consumer reports (4) In response to a request by the head of a State or local child support enforcement agency (or a State or local…

Procedure in case of disputed accuracy

— Procedure in case of disputed accuracy (1), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that…

Requirements relating to information contained in consumer reports

— Requirements relating to information contained in consumer reports (2) Key factor in credit score information Any consumer reporting agency that furnishes a…

Disclosures to FBI for counterintelligence purposes

— Disclosures to FBI for counterintelligence purposes (1) Prohibition (A) In general If a certification is issued under subparagraph (B) and notice of the…

Affiliate sharing

— Affiliate sharing (5) No retroactivity This subsection shall not prohibit the use of information to send a solicitation to a consumer if such information was…

Identity theft prevention; fraud alerts and active duty alerts

— Identity theft prevention; fraud alerts and active duty alerts (2) Access to free reports In any case in which a consumer reporting agency includes a fraud…

Definitions; rules of construction

— Definitions; rules of construction consumer reporting agency regardless of how the information is stored. (h) The term “employment purposes” when used in…

Disclosures to consumers

— Disclosures to consumers (1) Commission 2 summary of rights required (A) In general The Commission 2 shall prepare a model summary of the rights of consumers…

Block of information resulting from identity theft

— Block of information resulting from identity theft (2), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such…

Disclosures to governmental agencies for counterterrorism purposes

— Disclosures to governmental agencies for counterterrorism purposes (2) Notice A request under subsection (a) shall include notice of the availability of…

Responsibilities of furnishers of information to consumer reporting agencies

— Responsibilities of furnishers of information to consumer reporting agencies make a partial payment, forbear any delinquent amounts, modify a loan or…

Requirements on users of consumer reports

— Requirements on users of consumer reports (1)(B) of this title . (C) Information described Information referred to in subparagraph (A)— (i) except as…

Charges for certain disclosures

— Charges for certain disclosures (1), with respect to consumers residing nationwide. (b) Free disclosure after adverse notice to consumer Each consumer…

Relation to State laws

— Relation to State laws (2) and 212–14.3–104.3 of the Colorado Revised Statutes (as in effect on December 4, 2003 ); and (C) shall not be construed as…

Permissible purposes of consumer reports

— Permissible purposes of consumer reports (6) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its…

Administrative enforcement

— Administrative enforcement (1) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010, compliance with the requirements imposed…

Compliance procedures

— Compliance procedures (4)(E)(i) 1 of this title); and (B) the agency or department certifies in writing to the person reselling the report that nondisclosure…

Disclosures to consumers

— Disclosures to consumers (1)(C) of this title . (C) Availability of summary of rights The Commission 2 shall— (i) actively publicize the availability of the…

Affiliate sharing

— Affiliate sharing (1) Pre-existing business relationship The term “pre-existing business relationship” means a relationship between a person, or a person’s…

Relation to State laws

— Relation to State laws (5) with respect to the conduct required by the specific provisions of— (A) section 1681c(g) of this title ; (B) section 1681c–1 of…

Identity theft prevention; fraud alerts and active duty alerts

— Identity theft prevention; fraud alerts and active duty alerts (1) include an active duty alert in the file of that active duty military consumer, and also…

Responsibilities of furnishers of information to consumer reporting agencies

— Responsibilities of furnishers of information to consumer reporting agencies (2) Duty to correct and update information A person who— (A) regularly and in…

Permissible purposes of consumer reports

— Permissible purposes of consumer reports (2) Disclosure to consumer (A) In general Except as provided in subparagraph (B), a person may not procure a…

Definitions; rules of construction

— Definitions; rules of construction (6) of this title ; and (B) means— (i) a denial or cancellation of, an increase in any charge for, or a reduction or other…

Charges for certain disclosures

— Charges for certain disclosures (2) of section 1681c–1 of this title , as applicable. (e) Other charges prohibited A consumer reporting agency shall not…

Administrative enforcement

— Administrative enforcement of the Surface Transportation Board; (D) part A of subtitle VII of title 49, by the Secretary of Transportation, with respect to…

Requirements on users of consumer reports

— Requirements on users of consumer reports (1)(B) of this title , shall provide with each written solicitation made to the consumer regarding the transaction…

Requirements relating to information contained in consumer reports

— Requirements relating to information contained in consumer reports (1) In general Except as otherwise provided in this subsection, no person that accepts…

Procedure in case of disputed accuracy

— Procedure in case of disputed accuracy number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer…

Disclosures to FBI for counterintelligence purposes

— Disclosures to FBI for counterintelligence purposes (2) Exception (A) In general A consumer reporting agency that receives a request under subsection (a) or…

Responsibilities of furnishers of information to consumer reporting agencies

— Responsibilities of furnishers of information to consumer reporting agencies (5) Duty to provide notice of delinquency of accounts (A) In general A person…

Permissible purposes of consumer reports

— Permissible purposes of consumer reports (3) 1 of this title; and (ii) the consumer shall have consented, orally, in writing, or electronically to the…

Disclosures to FBI for counterintelligence purposes

— Disclosures to FBI for counterintelligence purposes (1) In general A request under subsection (a) or (b) or an order under subsection (c) or a non-disclosure…

Administrative enforcement

— Administrative enforcement (1) Authority of States In addition to such other remedies as are provided under State law, if the chief law enforcement officer…

Procedure in case of disputed accuracy

— Procedure in case of disputed accuracy (6) Notice of results of reinvestigation (A) In general A consumer reporting agency shall provide written notice to a…

Disclosures to consumers

— Disclosures to consumers (1) In general The Commission, 2 in consultation with the Federal banking agencies and the National Credit Union Administration…

Definitions; rules of construction

— Definitions; rules of construction (6) of this title by the Bureau or any court shall apply. (l) Firm Offer of Credit or Insurance .— The term “firm offer of…

Identity theft prevention; fraud alerts and active duty alerts

— Identity theft prevention; fraud alerts and active duty alerts (3) refer the information regarding the active duty alert to each of the other consumer…

Charges for certain disclosures

— Charges for certain disclosures (1)(A)(i) on January 1 of each year, based proportionally on changes in the Consumer Price Index, with fractional changes…

Requirements on users of consumer reports

— Requirements on users of consumer reports (1) shall— (A) include the address and toll-free telephone number of the appropriate notification system…

Requirements relating to information contained in consumer reports

— Requirements relating to information contained in consumer reports (1) In general If a person has requested a consumer report relating to a consumer from a…

Identity theft prevention; fraud alerts and active duty alerts

— Identity theft prevention; fraud alerts and active duty alerts (3). (f) Duty of reseller to reconvey alert A reseller shall include in its report any fraud…

Procedure in case of disputed accuracy

— Procedure in case of disputed accuracy (6)(B)(iii) by not later than 15 days after receiving a request from the consumer for that description. (8) Expedited…

Disclosures to consumers

— Disclosures to consumers (2), a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment…

Permissible purposes of consumer reports

— Permissible purposes of consumer reports (3) 1 of this title. (B) Application by mail, telephone, computer, or other similar means (i) If a consumer…

Administrative enforcement

— Administrative enforcement (1) upon the Bureau and the Federal Trade Commission or the appropriate Federal regulator determined under subsection (b) and…

Disclosures to FBI for counterintelligence purposes

— Disclosures to FBI for counterintelligence purposes (1). (f) Payment of fees The Federal Bureau of Investigation shall, subject to the availability of…

Requirements on users of consumer reports

— Requirements on users of consumer reports (1) Guidelines The Federal banking agencies, the National Credit Union Administration, the Federal Trade…

Requirements relating to information contained in consumer reports

— Requirements relating to information contained in consumer reports (1). (B) Policies and procedures to be included The regulations prescribed under…

Definitions; rules of construction

— Definitions; rules of construction (3) The consumer furnishing any collateral that is a requirement for the extension of the credit or insurance that was—…

Responsibilities of furnishers of information to consumer reporting agencies

— Responsibilities of furnishers of information to consumer reporting agencies provided in clause (ii), the person establishes and follows reasonable…

Identity theft prevention; fraud alerts and active duty alerts

— Identity theft prevention; fraud alerts and active duty alerts (1) Requirements for initial and active duty alerts (A) Notification Each initial fraud alert…

Permissible purposes of consumer reports

— Permissible purposes of consumer reports then, within 3 business days of receiving the consumer’s request, together with proper identification, the person…

Definitions; rules of construction

— Definitions; rules of construction (5) with respect to which— (A) the consumer who is the subject of the communication— (i) consents orally or in writing to…

Disclosures to consumers

— Disclosures to consumers (1), the victim shall provide to the business entity— (A) as proof of positive identification of the victim, at the election of the…

Disclosures to FBI for counterintelligence purposes

— Disclosures to FBI for counterintelligence purposes (1) On a semiannual basis, the Attorney General shall fully inform the Permanent Select Committee on…

Procedure in case of disputed accuracy

— Procedure in case of disputed accuracy (7) with respect to that dispute if the agency— (A) provides prompt notice of the deletion to the consumer by…

Administrative enforcement

— Administrative enforcement (4) Limitation on State action while Federal action pending If the Bureau, the Federal Trade Commission, or the appropriate…

Requirements on users of consumer reports

— Requirements on users of consumer reports means of assessing the validity of the change of address, in accordance with reasonable policies and procedures…

Responsibilities of furnishers of information to consumer reporting agencies

— Responsibilities of furnishers of information to consumer reporting agencies (7) Negative information (A) Notice to consumer required (i) In general If any…

Definitions; rules of construction

— Definitions; rules of construction the communication, in writing, of the consumer’s right to request the information described in clause (i). (p) Consumer…

Procedure in case of disputed accuracy

— Procedure in case of disputed accuracy shall, at the request of the consumer, furnish notification that the item has been deleted or the statement…

Disclosures to consumers

— Disclosures to consumers (4) No charge to victim Information required to be provided under paragraph (1) shall be so provided without charge. (5) Authority…

Administrative enforcement

— Administrative enforcement (3) of section 1681s–2(c) of this title , a State may not recover any damages incurred before the date of the violation of an…

Disclosures to FBI for counterintelligence purposes

— Disclosures to FBI for counterintelligence purposes (4) in the case of any successful action to enforce liability under this subsection, the costs of the…

Requirements on users of consumer reports

— Requirements on users of consumer reports (4) Definitions As used in this subsection, the term “creditor”— (A) means a creditor, as defined in section 1691a…

Identity theft prevention; fraud alerts and active duty alerts

— Identity theft prevention; fraud alerts and active duty alerts credit plan or extension described in clause (i) in the name of such consumer, a user of such…

Responsibilities of furnishers of information to consumer reporting agencies

— Responsibilities of furnishers of information to consumer reporting agencies Bureau shall prescribe a brief model disclosure that a financial institution may…

Permissible purposes of consumer reports

— Permissible purposes of consumer reports (3) shall not apply to any adverse action by such agency or department which is based in part on such consumer…

Definitions; rules of construction

— Definitions; rules of construction (2) Fraud alert; active duty alert .— The terms “fraud alert” and “active duty alert” mean a statement in the file of a…

Administrative enforcement

— Administrative enforcement (2) Deference Notwithstanding any power granted to any Federal agency under this subchapter, the deference that a court affords to…

Responsibilities of furnishers of information to consumer reporting agencies

— Responsibilities of furnishers of information to consumer reporting agencies (8) Ability of consumer to dispute information directly with furnisher (A) In…

Permissible purposes of consumer reports

— Permissible purposes of consumer reports (3) will— (I) endanger the life or physical safety of any person; (II) result in flight from prosecution; (III)…

Procedure in case of disputed accuracy

— Procedure in case of disputed accuracy (1) shall— (A) review each such complaint to determine whether all legal obligations imposed on the consumer reporting…

Disclosures to consumers

— Disclosures to consumers (9) Rule of construction (A) In general No provision of subtitle A of title V of Public Law 106–102 [ 15 U.S.C. 6801 et seq.]…

Requirements on users of consumer reports

— Requirements on users of consumer reports (1) after the date of a notification under paragraph (1). (3) Rule of construction Nothing in this subsection shall…

Disclosures to FBI for counterintelligence purposes

— Disclosures to FBI for counterintelligence purposes any successful action under this subsection, costs together with reasonable attorney fees, as determined…

Identity theft prevention; fraud alerts and active duty alerts

— Identity theft prevention; fraud alerts and active duty alerts (2) Requirements for extended alerts (A) Notification Each extended alert under this section…

Requirements on users of consumer reports

— Requirements on users of consumer reports (6), if any person uses a consumer report in connection with an application for, or a grant, extension, or other…

Disclosures to consumers

— Disclosures to consumers (13) Effectiveness study Not later than 18 months after December 4, 2003 , the Comptroller General of the United States shall submit…

Permissible purposes of consumer reports

— Permissible purposes of consumer reports information The term “classified information” means information that is protected from unauthorized disclosure under…

Responsibilities of furnishers of information to consumer reporting agencies

— Responsibilities of furnishers of information to consumer reporting agencies (3)(B)(i) of this title , are able to circumvent the prohibition in subparagraph…

Administrative enforcement

— Administrative enforcement (3) Annual summary reports Each consumer reporting agency described in section 1681a(p) of this title shall submit an annual…

Procedure in case of disputed accuracy

— Procedure in case of disputed accuracy (2) Action required upon receiving notice of a dispute If a reseller receives a notice from a consumer of a dispute…

Definitions; rules of construction

— Definitions; rules of construction (5) New credit plan .— The term “new credit plan” means a new account under an open end credit plan (as defined in section…

Identity theft prevention; fraud alerts and active duty alerts

— Identity theft prevention; fraud alerts and active duty alerts for an additional card is not the result of identity theft. (i) National security freeze (1)…

Permissible purposes of consumer reports

— Permissible purposes of consumer reports (2) Limits on information received under paragraph (1)(B) A person may receive pursuant to paragraph (1)(B) only—…

Procedure in case of disputed accuracy

— Procedure in case of disputed accuracy (2)— (A) the notice by the consumer reporting agency under paragraph (6), (7), or (8) of subsection (a) shall be…

Disclosures to consumers

— Disclosures to consumers (2) Definitions For purposes of this subsection, the following definitions shall apply: (A) Credit score The term “credit score”—…

Definitions; rules of construction

— Definitions; rules of construction (5) Credit and creditor .— The terms “credit” and “creditor” have the same meanings as in section 1691a of this title…

Responsibilities of furnishers of information to consumer reporting agencies

— Responsibilities of furnishers of information to consumer reporting agencies (1) of this title within which a consumer reporting agency would be required to…

Identity theft prevention; fraud alerts and active duty alerts

— Identity theft prevention; fraud alerts and active duty alerts (2) Placement of security freeze (A) In general Upon receiving a direct request from a…

Requirements on users of consumer reports

— Requirements on users of consumer reports (5) Content and delivery of notice A notice under this subsection shall, at a minimum— (A) include a statement…

Permissible purposes of consumer reports

— Permissible purposes of consumer reports (5); or (B) by submitting to the agency a signed notice of election form issued by the agency for purposes of this…

Requirements on users of consumer reports

— Requirements on users of consumer reports (6) Rulemaking (A) Rules required The Bureau shall prescribe rules to carry out this subsection. (B) Content Rules…

Identity theft prevention; fraud alerts and active duty alerts

— Identity theft prevention; fraud alerts and active duty alerts (3) Removal of security freeze (A) In general A consumer reporting agency shall remove a…

Definitions; rules of construction

— Definitions; rules of construction (1) Communications described in this subsection .— A communication is described in this subsection if— (A) but for…

Responsibilities of furnishers of information to consumer reporting agencies

— Responsibilities of furnishers of information to consumer reporting agencies shall include— (I) the reasons for the determination under clause (i); and (II)…

Disclosures to consumers

— Disclosures to consumers (5) Applicability to credit scores developed by another person (A) In general This subsection shall not be construed to require a…

Permissible purposes of consumer reports

— Permissible purposes of consumer reports (2)(A); or (ii) until the consumer notifies the agency under subparagraph (C), in the case of an election for which…

Identity theft prevention; fraud alerts and active duty alerts

— Identity theft prevention; fraud alerts and active duty alerts party may treat the application as incomplete. (E) Temporary removal of security freeze Upon…

Responsibilities of furnishers of information to consumer reporting agencies

— Responsibilities of furnishers of information to consumer reporting agencies (2) of this title ; (C) report the results of the investigation to the consumer…

Disclosures to consumers

— Disclosures to consumers (8) Fair and reasonable fee A consumer reporting agency may charge a fair and reasonable fee, as determined by the Bureau, for…

Definitions; rules of construction

— Definitions; rules of construction (26) of this title ), any entity established under title I of the Sarbanes-Oxley Act of 2002 [ 15 U.S.C. 7211 et seq.]…

Permissible purposes of consumer reports

— Permissible purposes of consumer reports (1)(B), furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a…

Identity theft prevention; fraud alerts and active duty alerts

— Identity theft prevention; fraud alerts and active duty alerts (4) Exceptions A security freeze shall not apply to the making of a consumer report for use of…

Disclosures to consumers

— Disclosures to consumers (1) In general Any person who makes or arranges loans and who uses a consumer credit score, as defined in subsection (f), in…

Responsibilities of furnishers of information to consumer reporting agencies

— Responsibilities of furnishers of information to consumer reporting agencies (2) subsection (e) of this section, except that nothing in this paragraph shall…

Disclosures to consumers

— Disclosures to consumers in paragraph

Identity theft prevention; fraud alerts and active duty alerts

— Identity theft prevention; fraud alerts and active duty alerts credit information for the purposes described under section 1681b(c) of this title . (F) Any…

Permissible purposes of consumer reports

— Permissible purposes of consumer reports (5) jointly with other such consumer reporting agencies. (f) Certain use or obtaining of information prohibited A…

Identity theft prevention; fraud alerts and active duty alerts

— Identity theft prevention; fraud alerts and active duty alerts (5) Notice of rights At any time a consumer is required to receive a summary of rights…

Permissible purposes of consumer reports

— Permissible purposes of consumer reports (6) of this title ) about a consumer, unless— (A) if furnished in connection with an insurance transaction, the…

Disclosures to consumers

— Disclosures to consumers (6) of section 4502 of title 12 . (C) Disclosures of credit scores not obtained from a consumer reporting agency A person that is…

Identity theft prevention; fraud alerts and active duty alerts

— Identity theft prevention; fraud alerts and active duty alerts or collection agencies acting on behalf of the person or entity, with which you have an…

Permissible purposes of consumer reports

— Permissible purposes of consumer reports (3) of this title shall not be construed so as to treat information or any communication of information as a…

Disclosures to consumers

— Disclosures to consumers information within the report provided by the consumer reporting agency. (G) Person defined as excluding enterprise As used in this…

Identity theft prevention; fraud alerts and active duty alerts

— Identity theft prevention; fraud alerts and active duty alerts (1) Definitions As used in this subsection: (A) The term “consumer reporting agency” means a…

Permissible purposes of consumer reports

— Permissible purposes of consumer reports (2) that are determined to be necessary and appropriate to protect legitimate operational, transactional, risk…

Identity theft prevention; fraud alerts and active duty alerts

— Identity theft prevention; fraud alerts and active duty alerts authority to act on behalf of a protected consumer and includes— (i) an order issued by a…