THE FAIR CREDIT REPORTING ACT
As a public service, the staff of the Federal Trade Commission (FTC) has prepared the follow
ing complete text of the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq. Although
staff generally followed the format of the U.S. Code as published by the Government Printing Of
fice, the format of this text does differ in minor ways from the Code (and from West’s U.S. Code
Annotated). For example, this version uses FCRA section numbers (§§ 601-625) in the headings.
(The relevant U.S. Code citation is included with each section heading and each reference to the
FCRA in the text.) Although the staff has made every effort to transcribe the statutory material
accurately, this compendium is intended only as a convenience for the public and not a subtitute
for the text in the U. S. Code. The Commission’s website (www.ftc.gov) posted this document on
December 21, 2005.
This version of the FCRA includes the amendments to the FCRA set forth in the Consumer
Credit Reporting Reform Act of 1996 (Public Law 104-208, the Omnibus Consolidated Appro
priations Act for Fiscal Year 1997, Title II, Subtitle D, Chapter 1), Section 311 of the Intelligence
Authorization for Fiscal Year 1998 (Public Law 105-107), the Consumer Reporting Employment
Clarification Act of 1998 (Public Law 105-347), Section 506 of the Gramm-Leach-Bliley Act
(Public Law 106-102), Sections 358(g) and 505(c) of the Uniting and Strengthening America by
Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 (USA
PATRIOT Act) (Public Law 107-56), and the Fair and Accurate Credit Transactions Act of 2003
(FACT Act) (Public Law 108-159).
The provisions added to the FCRA by the FACT Act became effective at different times. In
some cases, the provision includes its own effective date. In other cases, the FACT Act provides
that the effective dates be prescribed by the FTC and Federal Reserve Board. See 16 CFR Part 602.
(69 Fed. Reg. 6526; February 11, 2004) (69 Fed. Reg. 29061; May