What US Fair Credit Reporting Act - 15 USC 1681b Permissible Purposes of Consumer Reports requires
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.
Pillar: Banking & Global Finance · Authority: US Congress / Federal Trade Commission / Consumer Financial Protection Bureau · Version: 1.0.0 · Last updated:
Primary source: https://www.govinfo.gov/link/uscode/15/1681b
SHA-256 integrity: 432ec77c5cc093625e40f9915727174b9015b1bd2f51f490cea448b999250c05
Primary Citations — 8 traced to source
- 15 USC 1681b - Permissible purposes of consumer reports - statutory text at https://www.law.cornell.edu/uscode/text/15/1681b
- 15 USC 1681b(a)(1) - court orders and subpoenas (cross-references 31 USC 5318 and 18 USC 3486)
+ 6 more citations (full bibliography, deterministic workflow, actionable schema and crosswalks) included in the vault unlock — $0.01 via Skyfire / L402 / Direct Base USDC.
Access
- Discovery (free): /api/v1/nodes/us-15-usc-1681b-fcra-permissible-purposes-consumer-reports.json — 6-field metadata
- Vault (full node): /api/v1/vault/nodes/us-15-usc-1681b-fcra-permissible-purposes-consumer-reports.json — full 13-key payload, $0.01 USDC (L402/Skyfire/Direct Base)
- Canonical URL: https://bidda.com/intelligence/us-15-usc-1681b-fcra-permissible-purposes-consumer-reports
- Back to registry: Browse all 10,099 compliance nodes