Fair Credit Reporting Act
As a public service, The Center For Debt Management posts this version of the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq. prepared by the Federal Trade Commission. This version uses FCRA section numbers (§§ 601-629) in the headings (The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text.) This document is intended only as a convenience for you and not a substitute for the actual text in the U. S. Code. The Commission’s website posted this document on October 20, 2006.
This version includes the amendments to the FCRA set forth in the Consumer Credit Reporting Reform Act of 1996 (Public Law 104-208, the Omnibus Consolidated Appropriations Act for Fiscal Year 1997, Title II, Subtitle D, Chapter 1), Section 311 of the Intelligence Authorization for Fiscal Year 1998 (Public Law 105-107), the Consumer Reporting Employment Clarification Act of 1998 (Public Law 105-347), Section 506 of the Gramm-Leach- Bliley Act (Public Law 106-102), Sections 358(g) and 505(c) of the Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 (USA PATRIOT Act) (Public Law 107-56), and the Fair and Accurate Credit Transactions Act of 2003 (FACT Act) (Public Law 108-159). Many of the provisions added by the FACT Act will become effective at different times depending on the results of rulemaking proceedings announced by the Federal Trade Commission and other regulatory agencies.
TABLE OF CONTENTS
Sec. 601 Short title
Sec. 602 Congressional findings and statement of purpose
Sec. 603 Definitions; rules of construction
Sec. 604 Permissible purposes of consumer reports
Sec. 605 Requirements relating to information contained in consumer reports
Sec. 605A Identity theft prevention; fraud alerts and active duty alerts
Sec. 605B Block of information resulting from identity theft
Sec. 606 Disclosure of investigative consumer reports
Sec. 607 Compliance procedures
Sec. 608 Disclosures to governmental agencies
Sec. 609 Disclosures to consumers
Sec. 610 Conditions and form of disclosure to consumers
Sec. 611 Procedure in case of disputed accuracy
Sec. 612 Charges for certain disclosures
Sec. 613 Public record information for employment purposes
Sec. 614 Restrictions on investigative consumer reports
Sec. 615 Requirements on users of consumer reports
Sec. 616 Civil liability for willful noncompliance
Sec. 617 Civil liability for negligent noncompliance
Sec. 618 Jurisdiction of courts; limitation of actions
Sec. 619 Obtaining information under false pretenses
Sec. 620 Unauthorized disclosures by officers or employees
Sec. 621 Administrative enforcement
Sec. 622 Information on overdue child support obligations
Sec. 623 Responsibilities of furnishers of information to consumer reporting agencies
Sec. 624 Affiliate sharing
Sec. 625 Relation to State laws
Sec. 626 Disclosures to FBI for counterintelligence purposes
Sec. 627 Disclosures to governmental agencies for counterterrorism purposes
Sec. 628 Disposal of records
Sec. 629 Corporate and technological circumvention prohibited
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Center For Debt Management: Fair Credit Reporting Act - Complete text