Fair Credit Reporting Act, FCRA

Fair Credit Reporting (FCRA) - Endnotes


Endnotes of the Fair Credit Reporting Act (FCRA).

The Fair Credit Reporting Act - Endnotes

Endnotes

Legislative History

House Reports:
No. 91-975 (Comm. on Banking and Currency) and
No. 91-1587 (Comm. of Conference)

Senate Reports:
No. 91-1139 accompanying S. 3678 (Comm. on Banking and Currency)

Congressional Record, Vol. 116 (1970)
May 25, considered and passed House.
Sept. 18, considered and passed Senate, amended.
Oct. 9, Senate agreed to conference report.
Oct. 13, House agreed to conference report.

Enactment:
Public Law No. 91-508 (October 26, 1970):

Amendments: Public Law Nos.
95-473 (October 17, 1978)
95-598 (November 6, 1978)
98-443 (October 4, 1984)
101-73 (August 9, 1989)
102-242 (December 19, 1991)
102-537 (October 27, 1992)
102-550 (October 28, 1992)
103-325 (September 23, 1994)
104-88 (December 29, 1995)
104-93 (January 6, 1996)
104-193 (August 22, 1996)
104-208 (September 30, 1996)
105-107 (November 20, 1997)
105-347 (November 2, 1998)
106-102 (November 12, 1999)
107-56 (October 26, 2001)

Endnotes:

1. The reporting periods have been lengthened for certain adverse information pertaining to U.S. Government insured or guaranteed student loans, or pertaining to national direct student loans. See sections 430A(f) and 463(c)(3) of the Higher Education Act of 1965, 20 U.S.C. 1080a(f) and 20 U.S.C. 1087cc(c)(3), respectively.

2. Should read "paragraphs (4) and (5)...." Prior Section 605(a)(6) was amended and re-designated as Section 605(a)(5) in November 1998.

3. The Federal Trade Commission increased the maximum allowable charge to $9.00, effective January 1, 2002. 66 Fed. Reg. 63545 (Dec. 7, 2001).


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.



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