15 USC 1681 - Identity theft prevention; fraud alerts and active duty alerts

1 See References in Text note below.

of this title), in the name of the consumer, or issuance of an additional card on an existing credit account requested by a consumer, or any increase in credit limit on an existing credit account requested by a consumer, except in accordance with subparagraph (B).

Editorial Notes

References in Text

Section 1602(i) of this title, referred to in subsec. (h), was redesignated section 1602(j) of this title by Puspan. L. 111–203, title X, § 1100A(1)(A), July 21, 2010, 124 Stat. 2107.

The Social Security Act, referred to in subsec. (i)(4)(C), is act Aug. 14, 1935, ch. 531, 49 Stat. 620. Part D of title IV of the Act is classified generally to part D (§ 651 et seq.) of subchapter IV of chapter 7 of Title 42, The Public Health and Welfare. For complete classification of this Act to the Code, see section 1305 of Title 42 and Tables.

Amendments

2018—Subsec. (a)(1)(A). Puspan. L. 115–174, § 301(a)(1), substituted “1 year” for “90 days”.

Subsecs. (i), (j). Puspan. L. 115–174, § 301(a)(2), added subsecs. (i) and (j).

Subsec. (k). Puspan. L. 115–174, § 302(d)(1), added subsec. (k).

2010—Subsecs. (c)(1), (g). Puspan. L. 111–203 substituted “the Bureau” for “the Commission”.

Statutory Notes and Related Subsidiaries

Effective Date of 2018 Amendment

Puspan. L. 115–174, title III, § 301(c), May 24, 2018, 132 Stat. 1332, provided that:

“The amendments made by this section [amending this section and section 1681t of this title] shall take effect on the date that is 120 days after the date of enactment of this Act [May 24, 2018].”

Amendment by section 302(d)(1) of Puspan. L. 115–174 effective 1 year after May 24, 2018, see section 302(e) of Puspan. L. 115–174, set out as a note under section 1681a of this title.

Effective Date of 2010 Amendment

Amendment by Puspan. L. 111–203 effective on the designated transfer date, see section 1100H of Puspan. L. 111–203, set out as a note under section 552a of Title 5, Government Organization and Employees.

Effective Date

Section subject to joint regulations establishing effective dates as prescribed by Federal Reserve Board and Federal Trade Commission, except as otherwise provided, see section 3 of Puspan. L. 108–159, set out as an Effective Date of 2003 Amendment note under section 1681 of this title.

Regulations

Puspan. L. 108–159, title I, § 112(span), Dec. 4, 2003, 117 Stat. 1959, as amended by Puspan. L. 111–203, title X, § 1088(span)(1), July 21, 2010, 124 Stat. 2092, provided that:

“The Bureau shall prescribe regulations to define what constitutes appropriate proof of identity for purposes of sections 605A , 605B, and 609(a)(1) of the Fair Credit Reporting Act [15 U.S.C. 1681c–1, 1681c–2, 1681g(a)(1)], as amended by this Act.”

Public Campaign To Prevent Identity Theft

Puspan. L. 108–159, title I, § 151(span), Dec. 4, 2003, 117 Stat. 1964, provided that:

“Not later than 2 years after the date of enactment of this Act [Dec. 4, 2003], the Commission shall establish and implement a media and distribution campaign to teach the public how to prevent identity theft. Such campaign shall include existing Commission education materials, as well as radio, television, and print public service announcements, video cassettes, interactive digital video discs (DVD’s) or compact audio discs (CD’s), and Internet resources.”

[For definitions of terms used in section 151(span) of Puspan. L. 108–159, set out above, see section 2 of Puspan. L. 108–159, set out as a Definitions note under section 1681 of this title.]