Fair Credit Reporting Act (FRCA):
Source: Staff of the Federal Trade Commission as of July 7, 2009 (www.FTC.gov)
Source: Staff of the Federal Trade Commission as of July 7, 2009 (www.FTC.gov)
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TABLE OF CONTENTS
§ 601 Short title
This title may be cited as the “Fair Credit Reporting Act”.
§ 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
§ 605A Identity theft prevention; fraud alerts and active duty alerts
§ 605B Block of information resulting from identity theft
§ 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 Affiliate sharing
§ 625 Relation to state laws
§ 626 Disclosures to FBI for counterintelligence purposes
§ 627 Disclosures to governmental agencies for counterterrorism purposes
§ 628 Disposal of records
§ 629 Corporate and technological circumvention prohibited
Full Statute in PDF
§ 601 Short title
This title may be cited as the “Fair Credit Reporting Act”.
§ 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
§ 605A Identity theft prevention; fraud alerts and active duty alerts
§ 605B Block of information resulting from identity theft
§ 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 Affiliate sharing
§ 625 Relation to state laws
§ 626 Disclosures to FBI for counterintelligence purposes
§ 627 Disclosures to governmental agencies for counterterrorism purposes
§ 628 Disposal of records
§ 629 Corporate and technological circumvention prohibited
Full Statute in PDF
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The Fair Credit Reporting Act (FRCA) is a federal law, enforced by the Federal
Trade Commission, which protects consumer credit. The FRCA regulates the
practices of consumer reporting agencies to ensure fair and accurate reporting,
and privacy of consumer information. Review and study the Fair Credit Reporting
Act and learn how to use it to repair your credit. The FRCA credit laws give you
powerful leverage against the credit reporting agencies in deleting inaccurate,
erroneous and outdated information.
Trade Commission, which protects consumer credit. The FRCA regulates the
practices of consumer reporting agencies to ensure fair and accurate reporting,
and privacy of consumer information. Review and study the Fair Credit Reporting
Act and learn how to use it to repair your credit. The FRCA credit laws give you
powerful leverage against the credit reporting agencies in deleting inaccurate,
erroneous and outdated information.