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 | Checked against the publisher |
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. ExploreWorld Legal, https://legal.exploreworldai.com/us/regler/fair-credit-reporting-act (hämtad 2026-08-25, bevis sha256:bcbeb8b3dc0eec72, bygge legal-2026-08-25).
- sha256:
- bcbeb8b3dc0eec723864081b8150bc8a38b7d80e5ef8c9fa4b8bbe433c4caae1
- hämtad:
- 2026-08-25
- source_confidence:
- derived
- bygge:
- legal-2026-08-25
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