Resources

The Fair Credit Reporting Act

Fair Credit Reporting Act Text

Definition of Consumer Report

603(o) Jun 11, 1998

Definition of Investigative Consumer Report

603(c),(d), 604(b)(3) Jul 9,1998

Using Consumer Reports for Employment Purposes

603(h) Feb 23 1998
603(d)(1) 604(b) 606,607(e) 609,610 Jun 9 1998
603(d) 604(b) Jun 11 1998
603(f), 604(b), 606, 615(a) Jul 10 1998
603(d)(1),603(f), 604(b)(2) 613 Jun 12 1998
603(h), 603(k) Oct 20 1998
603(a)(3) Sep 2 1998

Applicants Who Refuse to Grant Permission to Run Reports

Oct 1 1999

Independent Contractors

603(h) Feb 23 1998
603(h) 604(b)(3) Oct 27 1998

Before Taking Adverse Action

604 Feb 11 1998
604(b)(3) 609(a) Jul 8 1998
604(b)(2) 604(b)(3), 606, 615(a) Dec 18 1997
603(d), 603(f),604(b) Sep 9 1998
603(d), 604(b) Jun 11 1998

Taking Adverse Action

615(a) Mar 3 1998
615(a) Feb 14 1998
603(k) Mar 1 2000
615(a) Nov 10 1998

Notice After an Adverse Action

615(a) Jun 27 1997

Disclosure and Consent by Applicants

604, 606 Jun 12 1998
604(b)(2) 604(b)(3), 606, 615(a) Dec 18 1997
603(c), 604(b)(2)(A), 606(a) 606(b) Mar 25 1999
603(d)(1) 604(b) 606,607(e) 609,610 Jun 9 1998
604(b)(2)(A),604(b)(2)(B) Oct 21 1997

Electronic Authorization Forms

604(a)(2) May 24 2001

Record Retention Requirements of FCRA

618 Jul 28 1998

Authorizations for Investigations of Employee Misconduct

603(f), 606 Apr 5 1999
603(d)(1),603(f),604(b)(2), 613 Jun 12 1998
604(b)(2),604(b)(3),606(a) 606(b) Jun 11 1998

Disclosing the Contents of Reports to the Subjects of the Reports

604(b)(3) Feb 11 1998
604(b)(2),604(b)(3), 606,615(a) Dec 18 1997
604(b)(3) 609(a) Jul 8 1998

Disclosing the Contents of Oral Reports

603(d),603(f), 604(b) Sep 9 1998

Notification of Consumers by Consumer Reporting Agency

613(2) May 5 1999

Reports of Conviction Records

605(a) Dec 10 1998

Reports of Parole Status

605(a)(5) Jun 4 1999

Reports of Adverse Information

605 Apr 17 1998

Giving Information to Consurmer Reporting Agencies

623(a) Feb 15 2000
607(b), 623(a) Jun 24 1999
623(a)(2) Mar 22 1999

Obtaining Reports Under False Pretenses

607(e)(1)(A) Apr 30 1999

Links to More Staff Opinions

http://www.ftc.gov/os/statutes/fcra/index.htm

Notice to Furnishers of Information: Obligations of Furnishers under the FCRA" ("Furnisher Notice")

http://www.ftc.gov/os/2004/11/
041119factaappg.pdf

Remedying the Effects of Identity Theft" ("Identity Theft Summary of Rights")

http://www.ftc.gov/os/2004/11/
041119factaappe.pdf