Section node
Requirements on users taking adverse action
15 U.S.C. § 1681m
- What this page is
- Section node, 15 U.S.C. § 1681m
- Checked against the official source
- 2026-08-15Current
- Responsible publisher
- ExploreWorld Legal, editorial deskLiability position
Short answer
What does 15 U.S.C. § 1681m require, and where does it carry an outcome in the rule tree?
15 U.S.C. § 1681m is the paragraph the FCRA decision agent rests on for this question. Notice to the consumer when a report contributes to an adverse action. The block was read against the publisher on 2026-08-15 and carries 1 outcomes in the agent's rule tree. The reference can be cited as it stands, with a link to the official text and a content hash.
15 U.S.C. § 1681mChecked against the publisher 2026-08-15Official text
A source reference, not legal advice.
- Jurisdiction
- 15 U.S.C. §§ 1681 to 1681x
- Section node
- adverse-action
- Read
- 2026-08-15
- Hash
- sha256:95e54d709c6dc1d5
Outcomes resting on this section
The rules below point to this section in their outcome. The verdict is a machine classification, not a judgment on an individual matter.
fcra-adverse
The adverse action notice applies
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.
risk, Requirement applies
Section nodes
- Permissible purposes of consumer reports15 U.S.C. § 1681b
- 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
The verdict is a machine classification of the outcome, not legal advice and not a compliance decision.
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