Section 624 of the Fair Credit Reporting Act (FCRA).
The Fair Credit Reporting Act - Section 624
624. Relation to State laws [15 U.S.C. 1681t]
(a) In general. Except as provided in subsections (b) and (c), this title does
not annul, alter, affect, or exempt any person subject to the provisions of this
title from complying with the laws of any State with respect to the collection,
distribution, or use of any information on consumers, except to the extent that
those laws are inconsistent with any provision of this title, and then only to
the extent of the inconsistency.
(b) General exceptions. No requirement or prohibition may be imposed under the
laws of any State
(1) with respect to any subject matter regulated under
(A) subsection (c) or (e) of section 604 [1681b], relating to the prescreening
of consumer reports;
(B) section 611 [1681i], relating to the time by which a consumer reporting
agency must take any action, including the provision of notification to a
consumer or other person, in any procedure related to the disputed accuracy of
information in a consumer's file, except that this subparagraph shall not apply
to any State law in effect on the date of enactment of the Consumer Credit
Reporting Reform Act of 1996;
(C) subsections (a) and (b) of section 615 [1681m], relating to the duties of
a person who takes any adverse action with respect to a consumer;
(D) section 615(d) [1681m], relating to the duties of persons who use a
consumer report of a consumer in connection with any credit or insurance
transaction that is not initiated by the consumer and that consists of a firm
offer of credit or insurance;
(E) section 605 [1681c], relating to information contained in consumer
reports, except that this subparagraph shall not apply to any State law in
effect on the date of enactment of the Consumer Credit Reporting Reform Act of
1996; or
(F) section 623 [1681s-2], relating to the responsibilities of persons who
furnish information to consumer reporting agencies, except that this paragraph
shall not apply
(i) with respect to section 54A(a) of chapter 93 of the Massachusetts Annotated
Laws (as in effect on the date of enactment of the Consumer Credit Reporting
Reform Act of 1996); or
(ii) with respect to section 1785.25(a) of the California Civil Code (as in
effect on the date of enactment of the Consumer Credit Reporting Reform Act of
1996);
(2) with respect to the exchange of information among persons affiliated by
common ownership or common corporate control, except that this paragraph shall
not apply with respect to subsection (a) or (c)(1) of section 2480e of title 9,
Vermont Statutes Annotated (as in effect on the date of enactment of the
Consumer Credit Reporting Reform Act of 1996); or
(3) with respect to the form and content of any disclosure required to be made
under section 609(c) [1681g].
(c) Definition of firm offer of credit or insurance. Notwithstanding any
definition of the term "firm offer of credit or insurance" (or any equivalent
term) under the laws of any State, the definition of that term contained in
section 603(l) [1681a] shall be construed to apply in the enforcement and
interpretation of the laws of any State governing consumer reports.
(d) Limitations. Subsections (b) and (c)
(1) do not affect any settlement, agreement, or consent judgment between any
State Attorney General and any consumer reporting agency in effect on the date
of enactment of the Consumer Credit Reporting Reform Act of 1996; and
(2) do not apply to any provision of State law (including any provision of a
State constitution) that
(A) is enacted after January 1, 2004;
(B) states explicitly that the provision is intended to supplement this title;
and
(C) gives greater protection to consumers than is provided under this title.
