Center For Debt Management: Fair Credit Reporting Act - Complete text

The Center For Debt Management: Center For Debt Management: Fair Credit Reporting Act - Complete text
Center For Debt Management: Fair Credit Reporting Act - Complete text

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.


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