Permissible purposes of consumer reports

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-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.

  prohibited, Requirement applies

• 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).

  prohibited, Requirement applies

• 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.

  risk, Requirement applies conditionally

Section nodes

• 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