# 15 U.S.C. ch. 41 subch. III — Credit Reporting Agencies (Fair Credit Reporting Act, §§ 1681 et seq.) URL: https://consilena.com/coverage/laws/ksrc_75dvj9bbqs30b431 - Jurisdiction: United States - Type: Statute - Identifier: /us/usc/t15/ch41/schIII - Current as of: 25 April 1971 - Provisions: 31 - Official text: https://uscode.house.gov/view.xhtml?path=/prelim@title15/chapter41/subchapter3&edition=prelim > The library is a research copy. Check the official source before relying on a provision: the text published there, not the copy in Consilena, is the law. ## Provisions ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681i. — Procedure in case of disputed accuracy"] - **Procedure in case of disputed accuracy"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681s–3. — Affiliate sharing"] - **Affiliate sharing"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681b. — Permissible purposes of consumer reports"] - **Permissible purposes of consumer reports"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681. — Congressional findings and statement of purpose"] - **Congressional findings and statement of purpose"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681s. — Administrative enforcement"] - **Administrative enforcement"] Administrative enforcement**: — Administrative enforcement (a) Enforcement by Federal Trade Commission (1) In general The Federal Trade Commission shall be authorized to enforce compliance… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681p. — Jurisdiction of courts; limitation of actions"] - **Jurisdiction of courts; limitation of actions"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681m. — Requirements on users of consumer reports"] - **Requirements on users of consumer reports"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681s–2. — Responsibilities of furnishers of information to consumer reporting agencies"] - **Responsibilities of furnishers of information to consumer reporting agencies"] 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 ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681c–1. — Identity theft prevention; fraud alerts and active duty alerts"] - **Identity theft prevention; fraud alerts and active duty alerts"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681f. — Disclosures to governmental agencies"] - **Disclosures to governmental agencies"] Disclosures to governmental agencies**: — Disclosures to governmental agencies Notwithstanding the provisions of section 1681b of this title , a consumer reporting agency may furnish identifying… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681j. — Charges for certain disclosures"] - **Charges for certain disclosures"] Charges for certain disclosures**: — Charges for certain disclosures (a) Free annual disclosure (1) Nationwide consumer reporting agencies (A) In general All consumer reporting agencies… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681t. — Relation to State laws"] - **Relation to State laws"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681o. — Civil liability for negligent noncompliance"] - **Civil liability for negligent noncompliance"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681x. — Corporate and technological circumvention prohibited"] - **Corporate and technological circumvention prohibited"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681h. — Conditions and form of disclosure to consumers"] - **Conditions and form of disclosure to consumers"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681n. — Civil liability for willful noncompliance"] - **Civil liability for willful noncompliance"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681l. — Restrictions on investigative consumer reports"] - **Restrictions on investigative consumer reports"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681v. — Disclosures to governmental agencies for counterterrorism purposes"] - **Disclosures to governmental agencies for counterterrorism purposes"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681g. — Disclosures to consumers"] - **Disclosures to consumers"] Disclosures to consumers**: — Disclosures to consumers (a) Information on file; sources; report recipients Every consumer reporting agency shall, upon request, and subject to section… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681q. — Obtaining information under false pretenses"] - **Obtaining information under false pretenses"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681c–3. — Adverse information in cases of trafficking"] - **Adverse information in cases of trafficking"] 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)… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681u. — Disclosures to FBI for counterintelligence purposes"] - **Disclosures to FBI for counterintelligence purposes"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681e. — Compliance procedures"] - **Compliance procedures"] Compliance procedures**: — Compliance procedures (a) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681d. — Disclosure of investigative consumer reports"] - **Disclosure of investigative consumer reports"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681w. — Disposal of records"] - **Disposal of records"] Disposal of records**: — Disposal of records (a) Regulations (1) In general The Federal Trade Commission, the Securities and Exchange Commission, the Commodity Futures Trading… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681k. — Public record information for employment purposes"] - **Public record information for employment purposes"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681a. — Definitions; rules of construction"] - **Definitions; rules of construction"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681s–1. — Information on overdue child support obligations"] - **Information on overdue child support obligations"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681c–2. — Block of information resulting from identity theft"] - **Block of information resulting from identity theft"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681c. — Requirements relating to information contained in consumer reports"] - **Requirements relating to information contained in consumer reports"] 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)… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681r. — Unauthorized disclosures by officers or employees"] - **Unauthorized disclosures by officers or employees"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681j. — Charges for certain disclosures"] - **Charges for certain disclosures"] Charges for certain disclosures**: — Charges for certain disclosures 2003. (C) Nationwide specialty consumer reporting agency (i) In general The Commission 2 shall prescribe regulations… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681c–1. — Identity theft prevention; fraud alerts and active duty alerts"] - **Identity theft prevention; fraud alerts and active duty alerts"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681n. — Civil liability for willful noncompliance"] - **Civil liability for willful noncompliance"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681v. — Disclosures to governmental agencies for counterterrorism purposes"] - **Disclosures to governmental agencies for counterterrorism purposes"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681t. — Relation to State laws"] - **Relation to State laws"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681a. — Definitions; rules of construction"] - **Definitions; rules of construction"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681u. — Disclosures to FBI for counterintelligence purposes"] - **Disclosures to FBI for counterintelligence purposes"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681s. — Administrative enforcement"] - **Administrative enforcement"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681c. — Requirements relating to information contained in consumer reports"] - **Requirements relating to information contained in consumer reports"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681i. — Procedure in case of disputed accuracy"] - **Procedure in case of disputed accuracy"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681d. — Disclosure of investigative consumer reports"] - **Disclosure of investigative consumer reports"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681s–3. — Affiliate sharing"] - **Affiliate sharing"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681e. — Compliance procedures"] - **Compliance procedures"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681g. — Disclosures to consumers"] - **Disclosures to consumers"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681b. — Permissible purposes of consumer reports"] - **Permissible purposes of consumer reports"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681h. — Conditions and form of disclosure to consumers"] - **Conditions and form of disclosure to consumers"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681c–2. — Block of information resulting from identity theft"] - **Block of information resulting from identity theft"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681s–2. — Responsibilities of furnishers of information to consumer reporting agencies"] - **Responsibilities of furnishers of information to consumer reporting agencies"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681m. — Requirements on users of consumer reports"] - **Requirements on users of consumer reports"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681c–2. — Block of information resulting from identity theft"] - **Block of information resulting from identity theft"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681s–2. — Responsibilities of furnishers of information to consumer reporting agencies"] - **Responsibilities of furnishers of information to consumer reporting agencies"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681s. — Administrative enforcement"] - **Administrative enforcement"] Administrative enforcement**: — Administrative enforcement (2) Penalties (A) Knowing violations Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681h. — Conditions and form of disclosure to consumers"] - **Conditions and form of disclosure to consumers"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681d. — Disclosure of investigative consumer reports"] - **Disclosure of investigative consumer reports"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681a. — Definitions; rules of construction"] - **Definitions; rules of construction"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681j. — Charges for certain disclosures"] - **Charges for certain disclosures"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681c. — Requirements relating to information contained in consumer reports"] - **Requirements relating to information contained in consumer reports"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681e. — Compliance procedures"] - **Compliance procedures"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681c–1. — Identity theft prevention; fraud alerts and active duty alerts"] - **Identity theft prevention; fraud alerts and active duty alerts"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681g. — Disclosures to consumers"] - **Disclosures to consumers"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681s–3. — Affiliate sharing"] - **Affiliate sharing"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681v. — Disclosures to governmental agencies for counterterrorism purposes"] - **Disclosures to governmental agencies for counterterrorism purposes"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681t. — Relation to State laws"] - **Relation to State laws"] 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)… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681u. — Disclosures to FBI for counterintelligence purposes"] - **Disclosures to FBI for counterintelligence purposes"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681m. — Requirements on users of consumer reports"] - **Requirements on users of consumer reports"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681b. — Permissible purposes of consumer reports"] - **Permissible purposes of consumer reports"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681i. — Procedure in case of disputed accuracy"] - **Procedure in case of disputed accuracy"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681c. — Requirements relating to information contained in consumer reports"] - **Requirements relating to information contained in consumer reports"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681u. — Disclosures to FBI for counterintelligence purposes"] - **Disclosures to FBI for counterintelligence purposes"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681s–3. — Affiliate sharing"] - **Affiliate sharing"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681c–1. — Identity theft prevention; fraud alerts and active duty alerts"] - **Identity theft prevention; fraud alerts and active duty alerts"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681a. — Definitions; rules of construction"] - **Definitions; rules of construction"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681g. — Disclosures to consumers"] - **Disclosures to consumers"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681c–2. — Block of information resulting from identity theft"] - **Block of information resulting from identity theft"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681v. — Disclosures to governmental agencies for counterterrorism purposes"] - **Disclosures to governmental agencies for counterterrorism purposes"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681s–2. — Responsibilities of furnishers of information to consumer reporting agencies"] - **Responsibilities of furnishers of information to consumer reporting agencies"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681m. — Requirements on users of consumer reports"] - **Requirements on users of consumer reports"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681j. — Charges for certain disclosures"] - **Charges for certain disclosures"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681t. — Relation to State laws"] - **Relation to State laws"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681b. — Permissible purposes of consumer reports"] - **Permissible purposes of consumer reports"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681s. — Administrative enforcement"] - **Administrative enforcement"] Administrative enforcement**: — Administrative enforcement (1) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010, compliance with the requirements imposed… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681e. — Compliance procedures"] - **Compliance procedures"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681g. — Disclosures to consumers"] - **Disclosures to consumers"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681s–3. — Affiliate sharing"] - **Affiliate sharing"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681t. — Relation to State laws"] - **Relation to State laws"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681c–1. — Identity theft prevention; fraud alerts and active duty alerts"] - **Identity theft prevention; fraud alerts and active duty alerts"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681s–2. — Responsibilities of furnishers of information to consumer reporting agencies"] - **Responsibilities of furnishers of information to consumer reporting agencies"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681b. — Permissible purposes of consumer reports"] - **Permissible purposes of consumer reports"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681a. — Definitions; rules of construction"] - **Definitions; rules of construction"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681j. — Charges for certain disclosures"] - **Charges for certain disclosures"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681s. — Administrative enforcement"] - **Administrative enforcement"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681m. — Requirements on users of consumer reports"] - **Requirements on users of consumer reports"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681c. — Requirements relating to information contained in consumer reports"] - **Requirements relating to information contained in consumer reports"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681i. — Procedure in case of disputed accuracy"] - **Procedure in case of disputed accuracy"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681u. — Disclosures to FBI for counterintelligence purposes"] - **Disclosures to FBI for counterintelligence purposes"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681s–2. — Responsibilities of furnishers of information to consumer reporting agencies"] - **Responsibilities of furnishers of information to consumer reporting agencies"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681b. — Permissible purposes of consumer reports"] - **Permissible purposes of consumer reports"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681u. — Disclosures to FBI for counterintelligence purposes"] - **Disclosures to FBI for counterintelligence purposes"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681s. — Administrative enforcement"] - **Administrative enforcement"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681i. — Procedure in case of disputed accuracy"] - **Procedure in case of disputed accuracy"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681g. — Disclosures to consumers"] - **Disclosures to consumers"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681a. — Definitions; rules of construction"] - **Definitions; rules of construction"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681c–1. — Identity theft prevention; fraud alerts and active duty alerts"] - **Identity theft prevention; fraud alerts and active duty alerts"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681j. — Charges for certain disclosures"] - **Charges for certain disclosures"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681m. — Requirements on users of consumer reports"] - **Requirements on users of consumer reports"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681c. — Requirements relating to information contained in consumer reports"] - **Requirements relating to information contained in consumer reports"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681c–1. — Identity theft prevention; fraud alerts and active duty alerts"] - **Identity theft prevention; fraud alerts and active duty alerts"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681i. — Procedure in case of disputed accuracy"] - **Procedure in case of disputed accuracy"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681g. — Disclosures to consumers"] - **Disclosures to consumers"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681b. — Permissible purposes of consumer reports"] - **Permissible purposes of consumer reports"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681s. — Administrative enforcement"] - **Administrative enforcement"] Administrative enforcement**: — Administrative enforcement (1) upon the Bureau and the Federal Trade Commission or the appropriate Federal regulator determined under subsection (b) and… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681u. — Disclosures to FBI for counterintelligence purposes"] - **Disclosures to FBI for counterintelligence purposes"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681m. — Requirements on users of consumer reports"] - **Requirements on users of consumer reports"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681c. — Requirements relating to information contained in consumer reports"] - **Requirements relating to information contained in consumer reports"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681a. — Definitions; rules of construction"] - **Definitions; rules of construction"] 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—… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681s–2. — Responsibilities of furnishers of information to consumer reporting agencies"] - **Responsibilities of furnishers of information to consumer reporting agencies"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681c–1. — Identity theft prevention; fraud alerts and active duty alerts"] - **Identity theft prevention; fraud alerts and active duty alerts"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681b. — Permissible purposes of consumer reports"] - **Permissible purposes of consumer reports"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681a. — Definitions; rules of construction"] - **Definitions; rules of construction"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681g. — Disclosures to consumers"] - **Disclosures to consumers"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681u. — Disclosures to FBI for counterintelligence purposes"] - **Disclosures to FBI for counterintelligence purposes"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681i. — Procedure in case of disputed accuracy"] - **Procedure in case of disputed accuracy"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681s. — Administrative enforcement"] - **Administrative enforcement"] Administrative enforcement**: — Administrative enforcement (4) Limitation on State action while Federal action pending If the Bureau, the Federal Trade Commission, or the appropriate… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681m. — Requirements on users of consumer reports"] - **Requirements on users of consumer reports"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681s–2. — Responsibilities of furnishers of information to consumer reporting agencies"] - **Responsibilities of furnishers of information to consumer reporting agencies"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681a. — Definitions; rules of construction"] - **Definitions; rules of construction"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681i. — Procedure in case of disputed accuracy"] - **Procedure in case of disputed accuracy"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681g. — Disclosures to consumers"] - **Disclosures to consumers"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681s. — Administrative enforcement"] - **Administrative enforcement"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681u. — Disclosures to FBI for counterintelligence purposes"] - **Disclosures to FBI for counterintelligence purposes"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681m. — Requirements on users of consumer reports"] - **Requirements on users of consumer reports"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681c–1. — Identity theft prevention; fraud alerts and active duty alerts"] - **Identity theft prevention; fraud alerts and active duty alerts"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681s–2. — Responsibilities of furnishers of information to consumer reporting agencies"] - **Responsibilities of furnishers of information to consumer reporting agencies"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681b. — Permissible purposes of consumer reports"] - **Permissible purposes of consumer reports"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681a. — Definitions; rules of construction"] - **Definitions; rules of construction"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681s. — Administrative enforcement"] - **Administrative enforcement"] Administrative enforcement**: — Administrative enforcement (2) Deference Notwithstanding any power granted to any Federal agency under this subchapter, the deference that a court affords to… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681s–2. — Responsibilities of furnishers of information to consumer reporting agencies"] - **Responsibilities of furnishers of information to consumer reporting agencies"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681b. — Permissible purposes of consumer reports"] - **Permissible purposes of consumer reports"] 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)… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681i. — Procedure in case of disputed accuracy"] - **Procedure in case of disputed accuracy"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681g. — Disclosures to consumers"] - **Disclosures to consumers"] 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.]… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681m. — Requirements on users of consumer reports"] - **Requirements on users of consumer reports"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681u. — Disclosures to FBI for counterintelligence purposes"] - **Disclosures to FBI for counterintelligence purposes"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681c–1. — Identity theft prevention; fraud alerts and active duty alerts"] - **Identity theft prevention; fraud alerts and active duty alerts"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681m. — Requirements on users of consumer reports"] - **Requirements on users of consumer reports"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681g. — Disclosures to consumers"] - **Disclosures to consumers"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681b. — Permissible purposes of consumer reports"] - **Permissible purposes of consumer reports"] Permissible purposes of consumer reports**: — Permissible purposes of consumer reports information The term “classified information” means information that is protected from unauthorized disclosure under… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681s–2. — Responsibilities of furnishers of information to consumer reporting agencies"] - **Responsibilities of furnishers of information to consumer reporting agencies"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681s. — Administrative enforcement"] - **Administrative enforcement"] Administrative enforcement**: — Administrative enforcement (3) Annual summary reports Each consumer reporting agency described in section 1681a(p) of this title shall submit an annual… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681i. — Procedure in case of disputed accuracy"] - **Procedure in case of disputed accuracy"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681a. — Definitions; rules of construction"] - **Definitions; rules of construction"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681c–1. — Identity theft prevention; fraud alerts and active duty alerts"] - **Identity theft prevention; fraud alerts and active duty alerts"] 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)… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681b. — Permissible purposes of consumer reports"] - **Permissible purposes of consumer reports"] 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—… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681i. — Procedure in case of disputed accuracy"] - **Procedure in case of disputed accuracy"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681g. — Disclosures to consumers"] - **Disclosures to consumers"] 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”—… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681a. — Definitions; rules of construction"] - **Definitions; rules of construction"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681s–2. — Responsibilities of furnishers of information to consumer reporting agencies"] - **Responsibilities of furnishers of information to consumer reporting agencies"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681c–1. — Identity theft prevention; fraud alerts and active duty alerts"] - **Identity theft prevention; fraud alerts and active duty alerts"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681m. — Requirements on users of consumer reports"] - **Requirements on users of consumer reports"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681b. — Permissible purposes of consumer reports"] - **Permissible purposes of consumer reports"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681m. — Requirements on users of consumer reports"] - **Requirements on users of consumer reports"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681c–1. — Identity theft prevention; fraud alerts and active duty alerts"] - **Identity theft prevention; fraud alerts and active duty alerts"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681a. — Definitions; rules of construction"] - **Definitions; rules of construction"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681s–2. — Responsibilities of furnishers of information to consumer reporting agencies"] - **Responsibilities of furnishers of information to consumer reporting agencies"] 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)… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681g. — Disclosures to consumers"] - **Disclosures to consumers"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681b. — Permissible purposes of consumer reports"] - **Permissible purposes of consumer reports"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681c–1. — Identity theft prevention; fraud alerts and active duty alerts"] - **Identity theft prevention; fraud alerts and active duty alerts"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681s–2. — Responsibilities of furnishers of information to consumer reporting agencies"] - **Responsibilities of furnishers of information to consumer reporting agencies"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681g. — Disclosures to consumers"] - **Disclosures to consumers"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681a. — Definitions; rules of construction"] - **Definitions; rules of construction"] 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.]… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681b. — Permissible purposes of consumer reports"] - **Permissible purposes of consumer reports"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681c–1. — Identity theft prevention; fraud alerts and active duty alerts"] - **Identity theft prevention; fraud alerts and active duty alerts"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681g. — Disclosures to consumers"] - **Disclosures to consumers"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681s–2. — Responsibilities of furnishers of information to consumer reporting agencies"] - **Responsibilities of furnishers of information to consumer reporting agencies"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681g. — Disclosures to consumers"] - **Disclosures to consumers"] Disclosures to consumers**: — Disclosures to consumers in paragraph ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681c–1. — Identity theft prevention; fraud alerts and active duty alerts"] - **Identity theft prevention; fraud alerts and active duty alerts"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681b. — Permissible purposes of consumer reports"] - **Permissible purposes of consumer reports"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681c–1. — Identity theft prevention; fraud alerts and active duty alerts"] - **Identity theft prevention; fraud alerts and active duty alerts"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681b. — Permissible purposes of consumer reports"] - **Permissible purposes of consumer reports"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681g. — Disclosures to consumers"] - **Disclosures to consumers"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681c–1. — Identity theft prevention; fraud alerts and active duty alerts"] - **Identity theft prevention; fraud alerts and active duty alerts"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681b. — Permissible purposes of consumer reports"] - **Permissible purposes of consumer reports"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681g. — Disclosures to consumers"] - **Disclosures to consumers"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681c–1. — Identity theft prevention; fraud alerts and active duty alerts"] - **Identity theft prevention; fraud alerts and active duty alerts"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681b. — Permissible purposes of consumer reports"] - **Permissible purposes of consumer reports"] 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… ### ["Title 15 — COMMERCE AND TRADE", "CHAPTER 41 — CONSUMER CREDIT PROTECTION", "SUBCHAPTER III — CREDIT REPORTING AGENCIES", "§ 1681c–1. — Identity theft prevention; fraud alerts and active duty alerts"] - **Identity theft prevention; fraud alerts and active duty alerts"] 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… --- Consilena is a software provider, not a law firm. AI output is not legal advice: consult a licensed lawyer in the relevant jurisdiction. Page: https://consilena.com/coverage/laws/ksrc_75dvj9bbqs30b431. Index of every page: https://consilena.com/llms.txt.