What US Fair Credit Reporting Act (FCRA) - 15 USC 1681 requires
FCRA governs consumer credit reporting: maximum 7-year (10-year bankruptcy) reporting periods, 30-day dispute investigation, permissible-purpose requirement, adverse-action notice within 30 days, and free annual credit report right.
Pillar: Banking & Global Finance · Authority: Consumer Financial Protection Bureau (CFPB); Federal Trade Commission (FTC); 15 USC § 1681 et seq. · Version: 2024.1.0 · Last updated:
Primary source: https://www.govinfo.gov/link/uscode/15/1681
SHA-256 integrity: ca0b7338fc06d2e41aa5d125856cd34c76edbe711d6454179e229de9089e34cb
Primary Citations — 5 traced to source
- §§ 1681b (permissible purposes), 1681c (obsolete information), 1681i (dispute), 1681m (adverse action), 1681n-o (liability) — §§ 1681b (permissible purposes), 1681c (obsolete information), 1681i (dispute), 1681m (adverse action), 1681n-o (liability)
- Sections on accuracy, dispute, adverse action, and furnisher obligations — Sections on accuracy, dispute, adverse action, and furnisher obligations
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