FCRA, Consumer reports and consumer rights
15 U.S.C. §§ 1681 to 1681x
- What this page is
- FCRA, Consumer reports and consumer rights
- Checked against the official source
- 2026-08-15Current
- Responsible publisher
- ExploreWorld Legal, editorial deskLiability position
Short answer
Does FCRA apply to your operation, and which paragraph decides?
FCRA rests on 15 U.S.C. §§ 1681 to 1681x and is tested here by a deterministic rule tree of 5 rules with a coverage score of 100 percent. The tree reads your facts, names the paragraph that decides the question and returns an outcome carrying citation, content hash and read date 2026-08-15. The outcome is a machine classification, not a compliance decision.
15 U.S.C. §§ 1681 to 1681xChecked against the publisher 2026-08-15Official text
A source reference, not legal advice.
- Jurisdiction
- Federal
- Risk dimensions
- privacy, financial reporting, employment
- Tier
- Tier 2
- Coverage
- 100 %
- Impact
- 4/5
- Read
- 2026-08-15
Source chain
Every block in the register row has its own address, so an outcome can be cited down to the paragraph. The node carries the reference, the scope, the link to the official text and the outcomes in the tree that rest on the block.
- 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.
Rule tree
Rules are tested top down. Conditions are statutory elements and each outcome points to the register blocks it rests on.
fcra-purpose
No permissible purpose is stated
prohibited · Requirement applies · permissible-purpose
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.
fcra-employment
Disclosure and authorization for employment purposes are absent
prohibited · Requirement applies · employment, permissible-purpose
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).
fcra-adverse
The adverse action notice applies
risk · Requirement applies · adverse-action
15 U.S.C. § 1681m(a) requires notice to the individual of the adverse action, of the consumer reporting agency and of the right to a copy and to dispute the information.
fcra-dispute
The reinvestigation of a disputed item applies
risk · Requirement applies · disputes, accuracy
15 U.S.C. § 1681i(a)(1) requires a reinvestigation of the disputed item, normally within 30 days. The furnisher has its own duties under § 1681s-2(b).
fcra-base
The act applies to the use of the report
risk · Requirement applies conditionally · permissible-purpose, disposal
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.
Outcome
allowed · Outside the scope
The rule yields no requirement for the facts supplied
No consumer report under 15 U.S.C. § 1681a(d) is stated to be used.
fallback · sha256:sha256:ca920a066a9795422c9a4bcc1
Monitoring
The journal shows what moved in the register row, with the hash before and after. The impact score follows a rule stated in plain words.
How impact is scored: Grund: tillagd eller borttagen uppgift ger 3, ändrad uppgift 2, omläsning utan ändring 0. Tillägg: +1 när ändringen rör status eller tillämpningsdatum. Tillägg: +1 när agenten ligger i klass 1. Siffran begränsas till 0 till 5.
2026-08-15 · 0/5 · lasning
Raden läst mot den officiella publiceringen utan ändring
1971-04-25 · 3/5 · tillampningsdatum, status
Regeln började tillämpas enligt utgivaren
1970-10-26 · 4/5 · antagande, identifierare, status
Regeln antogs enligt 15 U.S.C. §§ 1681 to 1681x
Supervision
European counterparts
- gdpr · EU-förordningen täcker samma personuppgifter genom laglighet, riktighet och den registrerades rättigheter, utan ett eget regelverk för kreditupplysningar.
Artifacts and integrity
- https://legal.exploreworldai.com/api/public/v1/us-agents/fcra/manifest.json
- https://legal.exploreworldai.com/api/public/v1/us-agents/fcra/run
- https://legal.exploreworldai.com/api/public/v1/us-agents/fcra/monitor.json
- sha256:63501bdc16cbd3661c9e6add777e301766eded0b423e1e5c1200488f1c31c5e0
- sha256:819d4d325bf09d587f94b4cf5c4ab31d4c5bea1e4d181163ceb594c1121a043b
The verdict is a machine classification of the outcome, not legal advice and not a compliance decision. Responsibility position · 15 U.S.C. §§ 1681 to 1681x
Verifiable trust signals
- Six fixed blocks, one source per line
- No sentence written by a language model
- Engine version and read date on every answer
- No customer data, no documents, no advice
- Model card and audit published under the EU AI Act