Fair Credit Reporting Act

Betegnelse

Betegnelse

15 U.S.C. §§ 1681 to 1681x

Nivå

Føderal

Status

I kraft

Vedtatt

1970-10-26

Gjelder fra

1971-04-25

Tilsynsorganer

FTC, CFPB

Navngitte krav

• 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.

Offisiell kilde

• uscode.house.gov
• www.ftc.gov
• www.consumerfinance.gov

EU-rettsakter på samme område

• gdpr

  EU-forordningen dekker de samme personopplysningene gjennom lovlighet, riktighet og den registrertes rettigheter, uten et eget regelverk for kredittopplysninger.