Fair Credit Reporting Act

Beteckning

Beteckning

15 U.S.C. §§ 1681 to 1681x

Nivå

Federal

Status

I kraft

Antagen

1970-10-26

Tillämpas från

1971-04-25

Tillsynsorgan

FTC, CFPB

Namngivna 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.

Officiell källa

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

EU-rättsakter på samma område

• gdpr

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