The Fair Credit Reporting Act - Section 612
612. Charges for certain disclosures [15 U.S.C. 1681j]
(a) Reasonable charges allowed for certain disclosures.
(1) In general. Except as provided in subsections (b), (c), and (d), a consumer
reporting agency may impose a reasonable charge on a consumer
(A) for making a disclosure to the consumer pursuant to section 609 [1681g],
which charge
(i) shall not exceed $8;(3) and
(ii) shall be indicated to the consumer before making the disclosure; and
(B) for furnishing, pursuant to 611(d) [1681i], following a reinvestigation
under section 611(a) [1681i], a statement, codification, or summary to a
person designated by the consumer under that section after the 30-day period
beginning on the date of notification of the consumer under paragraph (6) or (8)
of section 611(a) [1681i] with respect to the reinvestigation, which charge
(i) shall not exceed the charge that the agency would impose on each designated
recipient for a consumer report; and
(ii) shall be indicated to the consumer before furnishing such information.
(2) Modification of amount. The Federal Trade Commission shall increase the
amount referred to in paragraph (1)(A)(I) on January 1 of each year, based
proportionally on changes in the Consumer Price Index, with fractional changes
rounded to the nearest fifty cents.
(b) Free disclosure after adverse notice to consumer. Each consumer reporting
agency that maintains a file on a consumer shall make all disclosures pursuant
to section 609 [1681g] without charge to the consumer if, not later than 60
days after receipt by such consumer of a notification pursuant to section 615 [
1681m], or of a notification from a debt collection agency affiliated with that
consumer reporting agency stating that the consumer's credit rating may be or
has been adversely affected, the consumer makes a request under section 609 [
1681g].
(c) Free disclosure under certain other circumstances. Upon the request of the
consumer, a consumer reporting agency shall make all disclosures pursuant to
section 609 [1681g] once during any 12-month period without charge to that
consumer if the consumer certifies in writing that the consumer
(1) is unemployed and intends to apply for employment in the 60-day period
beginning on the date on which the certification is made;
(2) is a recipient of public welfare assistance; or
(3) has reason to believe that the file on the consumer at the agency contains
inaccurate information due to fraud.
(d) Other charges prohibited. A consumer reporting agency shall not impose
any charge on a consumer for providing any notification required by this title
or making any disclosure required by this title, except as authorized by
subsection (a).
The Fair Credit Reporting Act (FCRA) Main Page
601. Short title
602. Congressional findings and statement of purpose
603. Definitions; rules of construction
604. Permissible purposes of consumer reports
605. Requirements relating to information contained in consumer reports
606. Disclosure of investigative consumer reports
607. Compliance procedures
608. Disclosures to governmental agencies
609. Disclosures to consumers
610. Conditions and form of disclosure to consumers
611. Procedure in case of disputed accuracy
612. Charges for certain disclosures
613. Public record information for employment purposes
614. Restrictions on investigative consumer reports
615. Requirements on users of consumer reports
616. Civil liability for willful noncompliance
617. Civil liability for negligent noncompliance
618. Jurisdiction of courts; limitation of actions
619. Obtaining information under false pretenses
620. Unauthorized disclosures by officers or employees
621. Administrative enforcement
622. Information on overdue child support obligations
623. Responsibilities of furnishers of information to consumer reporting agencies
624. Relation to State laws
625. Disclosures to FBI for counterintelligence purposes
626. Disclosures to governmental agencies for counterterrorism purposes
Endnotes
Please note this website site not intended to give
legal advice and may not be complete or up to date with the most current
collection laws changes.
|
