{
  "node_id": "us-15-usc-1681b-fcra-permissible-purposes-consumer-reports",
  "title": "US Fair Credit Reporting Act - 15 USC 1681b Permissible Purposes of Consumer Reports",
  "domain": "Banking & Global Finance",
  "version": "1.0.0",
  "last_updated": "2026-06-05",
  "bluf": "15 USC 1681b titled 'Permissible purposes of consumer reports' is the FCRA gating provision that limits the circumstances under which a consumer reporting agency may furnish a consumer report. Subsection (a) enumerates the only permissible purposes: (a)(1) in response to a court order having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18; (a)(2) in accordance with the written instructions of the consumer to whom it relates; (a)(3) to a person which the agency has reason to believe intends to use the information for credit transactions, employment purposes, insurance underwriting, governmental license or benefit determinations, credit-obligation assessment or other legitimate business need for the information in connection with a business transaction initiated by the consumer or to review an account to determine whether the consumer continues to meet the terms of the account; (a)(4) to State or local child support enforcement agencies meeting specified certifications; (a)(5) to an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award; and (a)(6) to the FDIC or NCUA for use in connection with conservator, receiver, or liquidation duties. Any furnishing of a consumer report outside these enumerated purposes is impermissible under the FCRA.",
  "paywall": {
    "status": "LOCKED",
    "unlock_cost_usd": "0.01",
    "skyfire_id": "41779894-ece2-4163-9761-b3b1b76e19b0"
  },
  "crosswalks": {
    "_available_keys": [
      "industry_mapping",
      "related_frameworks"
    ],
    "_note": "Full crosswalk values included in vault response"
  },
  "dependencies": [
    "us-fair-credit-reporting-act-fcra-1970"
  ],
  "primary_citations_count": 8
}