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FCRA, Consumer reports and consumer rights

15 U.S.C. §§ 1681 to 1681x

Jurisdiksjon

Federal

Risikodimensjoner

personvern, finansiell rapportering, ansettelse

Klasse

Klasse 2

Dekning

100 %

Påvirkning

4/5

Lest

2026-08-15

Kildekjede

Hver blokk i registerlinjen har egen adresse, så et utfall kan siteres ned til paragrafnivå. Noden bærer henvisningen, omfanget, lenken til den offisielle teksten og de utfallene i treet som hviler på blokken.

• 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.

15 U.S.C. §§ 1681 to 1681x

Regeltreet

Reglene prøves ovenfra og ned. Vilkårene er hentet fra regelteksten, og utfallet viser til de blokkene i registerlinjen det hviler på.

1. fcra-purpose

   No permissible purpose is stated

   forbudt · Kravet gjelder · 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.

2. fcra-employment

   Disclosure and authorization for employment purposes are absent

   forbudt · Kravet gjelder · 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).

3. fcra-adverse

   The adverse action notice applies

   risiko · Kravet gjelder · 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.

4. fcra-dispute

   The reinvestigation of a disputed item applies

   risiko · Kravet gjelder · 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).

5. fcra-base

   The act applies to the use of the report

   risiko · Kravet gjelder betinget · 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.

Utfall

Overvåking

Journalen viser hva som har rørt seg i registerlinjen, med hash før og etter. Påvirkningstallet regnes ut etter en regel som står skrevet i klartekst.

Slik regnes påvirkning: 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

Tilsyn

• U.S. Federal Trade Commission
• Consumer Financial Protection Bureau

Motsvarigheter i EU

• gdpr · EU-förordningen täcker samma personuppgifter genom laglighet, riktighet och den registrerades rättigheter, utan ett eget regelverk för kreditupplysningar.

Artefakter og integritet

• 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

Verdiktet er en maskinell klassifisering av utfallet, ikke juridisk rådgivning og ikke en etterlevelsesbeslutning. Ansvarsposisjon · 15 U.S.C. §§ 1681 to 1681x