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United States Code
U.S.C. Title 15-COMMERCE AND TRADE
CHAPTER 41-CONSUMER CREDIT PROTECTION
SUBCHAPTER III-CREDIT REPORTING AGENCIES

15 U.S. Code § 1681

Congressional findings and statement of purpose

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15 U.S. Code § 1681. Congressional findings and statement of purpose

(a) Accuracy and fairness of credit reportingThe Congress makes the following findings:

(1)

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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Current through

The United States Code on COSMOS is current through Public Law 118-64 (05/24/2024).

SUBCHAPTER III-CREDIT REPORTING AGENCIES

§1681 Congressional findings and statement of purpose
§1681a Definitions; rules of construction
§1681b Permissible purposes of consumer reports
§1681c Requirements relating to information contained in consumer reports
§1681c-1 Identity theft prevention; fraud alerts and active duty alerts
§1681c-2 Block of information resulting from identity theft
§1681c-3 Adverse information in cases of trafficking
§1681d Disclosure of investigative consumer reports
§1681e Compliance procedures
§1681f Disclosures to governmental agencies
§1681g Disclosures to consumers
§1681h Conditions and form of disclosure to consumers
§1681i Procedure in case of disputed accuracy
§1681j Charges for certain disclosures
§1681k Public record information for employment purposes
§1681l Restrictions on investigative consumer reports
§1681m Requirements on users of consumer reports
§1681n Civil liability for willful noncompliance
§1681o Civil liability for negligent noncompliance
§1681p Jurisdiction of courts; limitation of actions
§1681q Obtaining information under false pretenses
§1681r Unauthorized disclosures by officers or employees
§1681s Administrative enforcement
§1681s-1 Information on overdue child support obligations
§1681s-2 Responsibilities of furnishers of information to consumer reporting agencies
§1681s-3 Affiliate sharing
§1681t Relation to State laws
§1681u Disclosures to FBI for counterintelligence purposes
§1681v Disclosures to governmental agencies for counterterrorism purposes
§1681w Disposal of records
§1681x Corporate and technological circumvention prohibited

U.S. Code Popular Name Table

Popular Names

Americans with Disabilities Act 42 U.S.C. § 12101 et seq.

Anti-Kickback Statute 42 U.S.C. § 1320a–7b(b)

Clayton Act 15 U.S.C. § 12 et seq.

Clean Air Act 42 U.S.C. § 7401 et seq.

Commodity Exchange Act 7 U.S.C. § 1

Comprehensive Environmental Response, Compensation, and Liability Act of 1980 (CERCLA) 42 U.S.C. § 9601 et seq.

Controlled Substances Act 21 U.S.C. § 801 et seq.

Emergency Medical Treatment and Labor Act (EMTALA) 42 U.S.C. § 1395dd

Fair Credit Reporting Act 15 U.S.C. § 1681

False Claims Act 31 U.S.C. § 3729 et seq.

Federal Food, Drug, and Cosmetic Act 21 U.S.C. § 301 et seq.

Federal Insecticide, Fungicide, and Rodenticide Act 7 U.S.C. § 136 et seq.

Federal Trade Commission Act 15 U.S.C. § 41 et seq.

Foreign corrupt Practices Act 15 U.S.C. § 78dd-1 et seq.

Fraud Enforcement and Recovery Act of 2009 (FERA) 18 U.S.C. § 27

Health Information Technology for Economic and Clinical Health Act (HITECH) 42 U.S.C. § 300jj et seq., 42 U.S.C. § 17901 et seq.

Health Insurance Portability and Accountability Act of 1996 (HIPAA) 42 U.S.C. § 201

National Environmental Policy Act (NEPA) 42 U.S.C. § 4321 et seq.

Patient Protection and Affordable Care Act 42 U.S.C. § 18001 et seq.

Physician Payments Sunshine Act 42 U.S.C. § 1320a–7h

Public Health Service Act 42 U.S.C. § 201 et seq.

Resource Conservation and Recovery Act (RCRA) 42 U.S.C. § 6901 et seq.

Robinson–Patman Act 15 U.S.C. § 13

Sarbanes-Oxley Act 15 U.S.C. § 7201 et seq.

Securities Act of 1933 15 U.S.C. § 77a et seq.

Sentencing Reform Act of 1984 18 U.S.C. § 3551 et seq.

Sherman Act 15 U.S.C. § 1 et seq.

Social Security Act 42 U.S.C. § 301 et seq.

Stark Law 42 U.S.C. § 1395nn

Toxic Substances Control Act 15 U.S.C. § 2601 et seq.

Congressional findings and statement of purpose

15 U.S. Code § 1681. Congressional findings and statement of purpose

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