United States Code

15 U.S.C. § 1681e

Compliance procedures

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Bills that would change it 60

  • HR 9639 FAIR Credit Act Amends its part · introduced · 119th Congress
  • HR 8141 Fair Credit Reporting Reseller Accuracy Act Amends · introduced · 119th Congress
  • HR 8588 Housing FIRST Act Amends its part · introduced · 119th Congress
  • S 2074 Servicemembers’ Credit Monitoring Enhancement Act Amends its part · introduced · 119th Congress
  • S 2296 National Defense Authorization Act for Fiscal Year 2026 Amends its part · introduced · 119th Congress
  • S 656 Fair Credit for American Hostages Act of 2025 Amends its part · introduced · 119th Congress
  • HR 654 TABS Act of 2025 Amends its part · introduced · 119th Congress
  • S 1316 Servicemembers’ Credit Monitoring Enhancement Act Amends its part · introduced · 118th Congress
  • HR 8143 Free Credit Scores for Consumers Act of 2024 Amends its part · introduced · 118th Congress
  • HR 5180 Restoring Unfairly Impaired Credit and Protecting Consumers Act Amends its part 1681e(a) · introduced · 118th Congress
  • HR 4560 Housing FIRST Act Amends its part · introduced · 118th Congress
  • S 1327 Consumer Credit Control Act of 2023 Amends its part · introduced · 118th Congress
  • HR 1382 TABS Act of 2023 Amends its part · introduced · 118th Congress
  • HR 7900 National Defense Authorization Act for Fiscal Year 2023 Amends its part · introduced · 117th Congress
  • S 4980 Consumer Bankruptcy Reform Act of 2022 Amends its part · introduced · 117th Congress
  • HR 4350 National Defense Authorization Act for Fiscal Year 2022 Amends its part · introduced · 117th Congress
  • S 1605 National Defense Authorization Act for Fiscal Year 2022 Amends its part · enacted · 117th Congress
  • HR 4120 Comprehensive CREDIT Act of 2021 Amends · introduced · 117th Congress
  • HR 4112 Clarity in Credit Score Formation Act of 2021 Amends its part · introduced · 117th Congress
  • HR 4144 Restricting Credit Checks for Employment Decisions Act Amends its part · introduced · 117th Congress
  • HR 4113 Improving Credit Reporting for All Consumers Act Amends · introduced · 117th Congress
  • HR 4119 Student Borrower Credit Improvement Act Amends its part · introduced · 117th Congress
  • HR 4115 Restoring Unfairly Impaired Credit and Protecting Consumers Act Amends its part 1681e(a) · introduced · 117th Congress
  • HR 4078 Free Credit Scores for Consumers Act of 2021 Amends its part · introduced · 117th Congress
  • HR 2332 Debt Bondage Repair Act Amends its part · introduced · 117th Congress
  • S 2040 Debt Bondage Repair Act Amends its part · introduced · 117th Congress
  • HR 3439 Fair Credit Reporting for Servicemembers Act Amends its part · introduced · 117th Congress
  • S 1343 Consumer Credit Control Act of 2021 Amends its part · introduced · 117th Congress
  • HR 1645 Protecting Consumer Access to Credit Act Amends its part · introduced · 117th Congress
  • HR 4328 Protecting Innocent Consumers Affected by a Shutdown Act Amends its part · introduced · 116th Congress
  • HR 925 The Heroes Act Amends its part · introduced · 116th Congress
  • HR 5332 Protecting Your Credit Score Act of 2020 Amends · introduced · 116th Congress
  • HR 3621 Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2020 Amends · introduced · 116th Congress
  • HR 5677 Fair Credit Reporting for Servicemembers Act Amends its part · introduced · 116th Congress
  • HR 3642 Improving Credit Reporting for All Consumers Act Amends · introduced · 116th Congress
  • HR 3622 Restoring Unfairly Impaired Credit and Protecting Consumers Act Amends its part 1681e(a) · introduced · 116th Congress
  • HR 3614 Restricting Credit Checks for Employment Decisions Act Amends its part · introduced · 116th Congress
  • HR 3618 Free Credit Scores for Consumers Act of 2019 Amends its part · introduced · 116th Congress
  • HR 3629 Clarity in Credit Score Formation Act of 2019 Amends its part · introduced · 116th Congress
  • S 2685 Consumer Credit Control Act of 2019 Amends its part · introduced · 116th Congress
  • S 2631 Identity Theft Victims Protection Act of 2019 Amends its part · introduced · 116th Congress
  • HR 3821 To amend the Fair Credit Reporting Act to make improvements to the regulation of consumer reporting agencies and protect consumers, and f... Amends its part · introduced · 116th Congress
  • HR 2824 Fair Access to Credit Scores Act of 2019 Amends its part · introduced · 116th Congress
  • HR 2753 Free Credit Score Act of 2019 Amends its part · introduced · 116th Congress
  • HR 1286 Federal Employee Credit Score Protection Act of 2019 Amends its part · introduced · 116th Congress
  • S 535 Protect Federal Workers' Credit Act Amends its part · introduced · 116th Congress
  • S 2188 Consumer Data Protection Act Amends its part · introduced · 115th Congress
  • S 2362 Control Your Personal Credit Information Act of 2018 Amends its part · introduced · 115th Congress
  • S 2375 Equifax Consumer Protection and Data Empowerment Act of 2018 Amends its part · introduced · 115th Congress
  • HR 4544 Consumer Data Protection Act Amends its part · introduced · 115th Congress

Showing the 50 most recently active.

The law today

From the official United States Code, current through Public Law 119-124.

(a) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. (b) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. (c) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report. (d) Notice to users and furnishers of information (1) Notice requirement A consumer reporting agency shall provide to any person— (A) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer; or (B) to whom a consumer report is provided by the agency; a notice of such person’s responsibilities under this subchapter. (2) Content of notice The Bureau shall prescribe the content of notices under paragraph (1), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph (1) that is substantially similar to the Bureau prescription under this paragraph. (e) Procurement of consumer report for resale (1) Disclosure A person may not procure a consumer report for purposes of reselling the report (or any information in the report) unless the person discloses to the consumer reporting agency that originally furnishes the report— (A) the identity of the end-user of the report (or information); and (B) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report (or information). (2) Responsibilities of procurers for resale A person who procures a consumer report for purposes of reselling the report (or any information in the report) shall— (A) establish and comply with reasonable procedures designed to ensure that the report (or information) is resold by the person only for a purpose for which the report may be furnished under section 1681b of this title, including by requiring that each person to which the report (or information) is resold and that resells or provides the report (or information) to any other person— (i) identifies each end user of the resold report (or information); (ii) certifies each purpose for which the report (or information) will be used; and (iii) certifies that the report (or information) will be used for no other purpose; and (B) before reselling the report, make reasonable efforts to verify the identifications and certifications made under subparagraph (A). (3) Resale of consumer report to a Federal agency or department Notwithstanding paragraph (1) or (2), a person who procures a consumer report for purposes of reselling the report (or any information in the report) shall not disclose the identity of the end-user of the report under paragraph (1) or (2) if— (A) the end user is an agency or department of the United States Government which procures the report from the person for purposes of determining the eligibility of the consumer concerned to receive access or continued access to classified information (as defined in section 1681b(b)(4)(E)(i) 1 of this title); and (B) the agency or department certifies in writing to the person reselling the report that nondisclosure is necessary to protect classified information or the safety of persons employed by or contracting with, or undergoing investigation for work or contracting with the agency or department.
Official text at uscode.house.gov ↗