Fair Credit Reporting Act

Bezeichnung

Bezeichnung

15 U.S.C. §§ 1681 to 1681x

Ebene

Bund

Status

In Kraft

Angenommen

1970-10-26

Gilt ab

1971-04-25

Aufsichtsbehörden

FTC, CFPB

Benannte Anforderungen

• Permissible purposes of consumer reports

  15 U.S.C. § 1681b

  A consumer report may be furnished only for a purpose listed in the section.

• Requirements on users taking adverse action

  15 U.S.C. § 1681m

  Notice to the consumer when a report contributes to an adverse action.

• Consumer reports for employment purposes

  15 U.S.C. § 1681b(b)

  Standalone disclosure, written authorization and a pre-adverse-action copy.

• Duties of furnishers of information

  15 U.S.C. § 1681s-2

  Accuracy of furnished information and investigation of disputes received.

• Procedure in case of disputed accuracy

  15 U.S.C. § 1681i

  Reinvestigation of a disputed item, normally within thirty days.

• Disposal of consumer report information

  15 U.S.C. § 1681w

  Reasonable measures when disposing of information taken from a consumer report.

Amtliche Quelle

• uscode.house.gov
• www.ftc.gov
• www.consumerfinance.gov

EU-Rechtsakte zum selben Gegenstand

• gdpr

  Die EU-Verordnung erfasst dieselben personenbezogenen Daten über Rechtmäßigkeit, Richtigkeit und Betroffenenrechte, ohne ein eigenes Auskunfteienregime.