15 USC 1681 - Requirements on users of consumer reports

Editorial Notes

Amendments

2010—Subsec. (a)(2) to (4). Puspan. L. 111–203, § 1100F(1), added par. (2), redesignated former pars. (2) and (3) as (3) and (4), respectively, and substituted “paragraph (3)” for “paragraph (2)” in par. (4).

Subsec. (d)(2)(B). Puspan. L. 111–203, § 1088(a)(7), substituted “the Federal Trade Commission, the Federal banking agencies,” for “the Federal banking agencies”.

Puspan. L. 111–203, § 1088(a)(2)(C), substituted “the Bureau” for “the Commission”.

Subsec. (e)(1). Puspan. L. 111–203, § 1088(a)(8), substituted “the Federal Trade Commission, the Commodity Futures Trading Commission, and the Securities and Exchange Commission” for “and the Commission” in introductory provisions.

Subsec. (e)(4). Puspan. L. 111–319 added par. (4).

Subsec. (h)(5)(E). Puspan. L. 111–203, § 1100F(2), added subpar. (E).

Subsec. (h)(6)(A). Puspan. L. 111–203, § 1088(a)(9), added subpar. (A) and struck out former subpar. (A). Prior to amendment, text read as follows: “The Commission and the Board shall jointly prescribe rules.”

2003—Subsec. (d)(2). Puspan. L. 108–159, § 213(a), amended heading and text of par. (2) generally. Prior to amendment, text read as follows: “A statement under paragraph (1) shall include the address and toll-free telephone number of the appropriate notification system established under section 1681span(e) of this title.”

Subsec. (e). Puspan. L. 108–159, § 811(h), repealed Puspan. L. 104–208, § 2411(c). See 1996 Amendment note below.

Puspan. L. 108–159, § 114, added subsec. (e) and struck out former subsec. (e) designation that had been added with no heading or text by Puspan. L. 104–208, § 2411(c). See note above and 1996 Amendment note below.

Subsec. (f). Puspan. L. 108–159, § 154(span), added subsec. (f).

Subsec. (g). Puspan. L. 108–159, § 155, added subsec. (g).

Subsec. (h). Puspan. L. 108–159, § 311(a), added subsec. (h).

1996—Subsec. (a). Puspan. L. 104–208, § 2411(a), inserted heading and amended text of subsec. (a) generally. Prior to amendment, text read as follows: “Whenever credit or insurance for personal, family, or household purposes, or employment involving a consumer is denied or the charge for such credit or insurance is increased either wholly or partly because of information contained in a consumer report from a consumer reporting agency, the user of the consumer report shall so advise the consumer against whom such adverse action has been taken and supply the name and address of the consumer reporting agency making the report.”

Subsec. (span). Puspan. L. 104–208, § 2411(e), inserted subsec. heading, designated existing provisions as par. (1) and inserted heading, and added par. (2).

Subsec. (c). Puspan. L. 104–208, § 2411(d), substituted “this section” for “subsections (a) and (span) of this section”.

Subsec. (d). Puspan. L. 104–208, § 2411(span), added subsec. (d).

Subsec. (e). Puspan. L. 104–208, § 2411(c), which added subsec. (e) containing subsec. designation, but no heading or text, was repealed by Puspan. L. 108–159, § 811(h).

Statutory Notes and Related Subsidiaries

Effective Date of 2010 Amendment

Puspan. L. 111–319, § 2(span), Dec. 18, 2010, 124 Stat. 3458, provided that:

“The amendment made by this section [amending this section] shall become effective on the date of enactment of this Act [Dec. 18, 2010].”

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 of 2003 Amendment

Amendment by Puspan. L. 108–159 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 a note under section 1681 of this title.

Effective Date of 1996 Amendment

Amendment by Puspan. L. 104–208 effective 365 days after Sept. 30, 1996, with special rule for early compliance, see section 2420 of Puspan. L. 104–208, set out as a note under section 1681a of this title.

Effective Date

Section effective upon the expiration of one hundred and eighty days following Oct. 26, 1970, see section 504(d) of Puspan. L. 90–321, as added by Puspan. L. 91–508, set out as a note under section 1681 of this title.

Regulations

Puspan. L. 108–159, title II, § 213(span), Dec. 4, 2003, 117 Stat. 1979, provided that:

“Regulations required by section 615(d)(2) of the Fair Credit Reporting Act [15 U.S.C. 1681m(d)(2)], as amended by this section, shall be issued in final form not later than 1 year after the date of enactment of this Act [Dec. 4, 2003].”