Fair Credit Reporting Act
15 U.S.C. §§ 1681 to 1681x · Read 2026-08-15
In force since 1971. The act governs consumer reports, permissible purpose, disputes and the duties of furnishers and users of consumer report information.
Identifier
- Identifier
- 15 U.S.C. §§ 1681 to 1681x
- Level
- Federal
- Status
- In force
- Adopted
- 1970-10-26
- Applies from
- 1971-04-25
- Supervisory bodies
- FTC, CFPB
Named requirements
Permissible purposes of consumer reports
A consumer report may be furnished only for a purpose listed in the section.
Requirements on users taking adverse action
Notice to the consumer when a report contributes to an adverse action.
Consumer reports for employment purposes
Standalone disclosure, written authorization and a pre-adverse-action copy.
Duties of furnishers of information
Accuracy of furnished information and investigation of disputes received.
Procedure in case of disputed accuracy
Reinvestigation of a disputed item, normally within thirty days.
Disposal of consumer report information
Reasonable measures when disposing of information taken from a consumer report.
Official source
EU acts on the same ground
- gdpr
The EU regulation covers the same personal data through lawfulness, accuracy and the rights of the data subject, without a separate consumer report regime.
Change monitoring
The row is re-read against the publisher's own publication on a fixed interval. The dates below can be checked on the spot and travel with the API response.
| Field | Value |
|---|---|
| Register | FTC, 15 U.S.C. §§ 1681 to 1681x |
| Publisher | U.S. Federal Trade Commission |
| Last read | 2026-08-15 |
| Interval | Every 30 days |
| Next re-read | 2026-09-14 |
| Status | Re-read overdue |
Row history
Dated events concerning this exact row, newest first. No event appears here without a date in a primary source.
| Date | Event | Source |
|---|---|---|
| 2026-08-15 | Row read against the official publication | U.S. Federal Trade Commission |
| 1971-04-25 | Date of application according to the publisher | U.S. Federal Trade Commission |
| 1970-10-26 | Adopted under 15 U.S.C. §§ 1681 to 1681x | U.S. Federal Trade Commission |
Monitoring states when the row was checked, not how the legal position should be assessed.
Cite this row
The string below travels with a memo, a case file or an agent chain. The same string sits in the citation field of the API response.
15 U.S.C. §§ 1681 to 1681x, Fair Credit Reporting Act. NovaCopilot, https://legal.exploreworldai.com/us/regler/fair-credit-reporting-act (hämtad 2026-10-16, bevis sha256:348108265c871411, bygge legal-2026-10-16).
- sha256:
- 348108265c871411ef3292451cbd22a927728ae99e8bb8a2402f5f92421931d2
- hämtad:
- 2026-10-16
- source_confidence:
- derived
- bygge:
- legal-2026-10-16
Derived path to the publisher. The address is built from the identifier and lands in the publisher's own register. uscode.house.gov.
The row is a source reference with an official identifier. No legal advice and no 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