Learn About The Fair Credit Reporting Act
Fair Credit Reporting Act [FCRA]
The
Fair Credit Reporting Act
restricts who has access to your sensitive credit information and what uses can
be made of it.
We have listed the entire
Fair Credit Reporting Act for your
reference. To make the FCRA easier to read, we
have broken down the law into its sections. Please click on the section number below
to read that portion of the Act.
This is the complete text of the Fair Credit Reporting Act (FCRA), 15 U.S.C.
§ 1681 et seq. Although staff generally followed the format of the U.S. Code as
published by the Government Printing Office, the format of this text does differ
in minor ways from the Code (and from West's U.S. Code Annotated). For example,
this version uses FCRA section numbers (§§ 601-625) 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 version of the FCRA is complete as of January 7, 2002. It 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), and 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).
§ 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.
|
