{
  "node_id": "us-15-usc-1681j-fcra-charges-for-certain-disclosures",
  "title": "US Fair Credit Reporting Act - 15 USC 1681j Charges for Certain Disclosures (Free Annual Report, Post-Adverse-Action Free Report)",
  "domain": "Banking & Global Finance",
  "version": "1.0.0",
  "last_updated": "2026-06-05",
  "bluf": "15 USC 1681j titled 'Charges for certain disclosures' is the FCRA provision that establishes the consumer's right to free consumer reports under specified conditions and caps the price a nationwide consumer reporting agency may charge for non-free disclosures. Subsection (a) requires every nationwide consumer reporting agency (and nationwide specialty consumer reporting agency described in section 1681a(w)) to provide free disclosures pursuant to section 1681g, without charge, once during any 12-month period upon request of the consumer. For nationwide specialty agencies, the Commission must establish regulations requiring a streamlined process for consumers to request consumer reports, including toll-free phone access, and the agency must deliver the report not later than 15 days after the date on which the request is received. Subsection (b) requires the agency to provide a free disclosure to the consumer when the consumer requests it and the request is made not later than 60 days after receipt by the consumer of a notification of adverse action under section 1681m or a similar debt collection agency notice. Subsection (c) requires a free disclosure where the consumer certifies they are unemployed and intend to apply for employment within the 60-day period beginning on the date of the certification, where the consumer is a recipient of public welfare assistance, or where the consumer has reason to believe their file contains inaccurate information due to fraud. Subsection (d) requires a free disclosure following a fraud alert request under section 1681c-1. Subsection (f) caps the maximum reasonable charge for non-free disclosures at the amount specified by the Bureau ($8 as last set under subsection (f)(1)(A)).",
  "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
}