Permissible purposes of consumer reports

Ergebnisse, die auf diesem Abschnitt ruhen

Die Regeln unten verweisen in ihrem Ergebnis auf diesen Abschnitt. Das Verdikt ist eine maschinelle Einordnung, kein Urteil über einen Einzelfall.

• fcra-purpose

  No permissible purpose is stated

  15 U.S.C. § 1681b(a) permits a consumer report to be furnished only for the purposes listed there. Without such a purpose the statute provides no basis.

  unzulässig, Die Anforderung gilt

• fcra-employment

  Disclosure and authorization for employment purposes are absent

  15 U.S.C. § 1681b(b)(2) requires a clear and conspicuous standalone disclosure and the individual's written authorization before the report is obtained. A copy is required before adverse action under § 1681b(b)(3).

  unzulässig, Die Anforderung gilt

• fcra-base

  The act applies to the use of the report

  15 U.S.C. § 1681b states the permissible purposes and 15 U.S.C. § 1681w requires reasonable measures when disposing of information taken from a consumer report.

  Risiko, Die Anforderung gilt bedingt

Abschnittsknoten

• Requirements on users taking adverse action15 U.S.C. § 1681m
• Consumer reports for employment purposes15 U.S.C. § 1681b(b)
• Duties of furnishers of information15 U.S.C. § 1681s-2
• Procedure in case of disputed accuracy15 U.S.C. § 1681i
• Disposal of consumer report information15 U.S.C. § 1681w