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Fair Credit Reporting: (b) Conditions for furnishing and using consumer reports for employment purposes.

(1) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if—

(A) the person who obtains such report from the agency certifies to the agency that—

(i) the person has complied with paragraph (2) with respect to the consumer report, and the person will comply with paragraph (3) with respect to the consumer report if paragraph (3) becomes applicable; and

Fair Credit Reporting: (c) Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer.

(1) In general. A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph (A) or (C) of subsection (a)(3) of this section in connection with any credit or insurance transaction that is not initiated by the consumer only if—

(A) the consumer authorizes the agency to provide such report to such person; or

(B)(i) the transaction consists of a firm offer of credit or insurance;

Fair Credit Reporting: (e) Election of consumer to be excluded from lists.

(1) In general. A consumer may elect to have the consumer’s name and address excluded from any list provided by a consumer reporting agency under subsection (c)(1)(B) of this section in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph (2) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.

Fair Credit Reporting: (f) Certain use or obtaining of information prohibited.

A person shall not use or obtain a consumer report for any purpose unless—

(1) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and

(2) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification.

Fair Credit Reporting: (g) Protection of medical information.

(1) Limitation on consumer reporting agencies. A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information (other than medical contact information treated in the manner required under section 1681c(a)(6)) about a consumer, unless—

(A) if furnished in connection with an insurance transaction, the consumer affirmatively consents to the furnishing of the report;

Fair Credit Reporting: Amendment History

[Pub. L. No. 90-321, tit. VI, § 604, as added by Pub. L. No. 91-508, 84 Stat. 1129 (Oct. 26, 1970), and amended by Pub. L. No. 101-73, 103 Stat. 506 (Aug. 9, 1989); Pub. L. No. 104-193, 110 Stat. 2240 (Aug. 22, 1996); Pub. L. No. 104-208, 110 Stat. 3009 (Sept. 30, 1996); Pub. L. No. 105-107, 111 Stat. 2255 (Nov. 20, 1997); Pub. L. No. 105-347, 112 Stat. 3208 (Nov. 2, 1998); Pub. L. No. 107-306, 116 Stat. 2426 (Nov. 27, 2002); Pub. L. No. 108-159, 117 Stat. 1979 (Dec. 4, 2003); Pub. L. No. 108-177, 117 Stat. 2625 (Dec. 13, 2003); Pub. L. No. 109-351, 120 Stat. 1966 (Oct.

Fair Credit Reporting: (a) Information excluded from consumer reports—Prohibited items.

Except as authorized under subsection (b) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information:

(1) Cases under Title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

Fair Credit Reporting: (b) Exempted cases.

The provisions of paragraphs (1) through (5) of subsection (a) of this section are not applicable in the case of any consumer credit report to be used in connection with—

(1) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of $150,000 or more;

(2) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of $150,000 or more; or

Fair Credit Reporting: (c) Running of reporting period.

(1) In general. The 7-year period referred to in paragraphs (4) and (6)5 of subsection (a) of this section shall begin, with respect to any delinquent account that is placed for collection (internally or by referral to a third party, whichever is earlier), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or

Fair Credit Reporting: (d) Information required to be disclosed.

(1) Title 11 information. Any consumer reporting agency that furnishes a consumer report that contains information regarding any case involving the consumer that arises under Title 11, shall include in the report an identification of the chapter of such Title 11 under which such case arises if provided by the source of the information.

Fair Credit Reporting: (f) Indication of dispute by consumer.

If a consumer reporting agency is notified pursuant to section 1681s-2(a)(3) of this title that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information.

Fair Credit Reporting: (g) Truncation of credit card and debit card numbers.

(1) In general. Except as otherwise provided in this subsection, no person that accepts credit cards or debit cards for the transaction of business shall print more than the last 5 digits of the card number or the expiration date upon any receipt provided to the cardholder at the point of the sale or transaction.

Fair Credit Reporting: (h) Notice of discrepancy in address.

(1) In general. If a person has requested a consumer report relating to a consumer from a consumer reporting agency described in section 1681a(p), the request includes an address for the consumer that substantially differs from the addresses in the file of the consumer, and the agency provides a consumer report in response to the request, the consumer reporting agency shall notify the requester of the existence of the discrepancy.

(2) Regulations.

Fair Credit Reporting: Amendment History

[Pub. L. No. 90-321, tit. VI, § 605, as added by Pub. L. No. 91-508, tit. VI, § 601, 84 Stat. 1129 (Oct. 26, 1970), and amended by Pub. L. No. 95-598, 92 Stat. 2676 (Nov. 6, 1978); Pub. L. No. 104-208, 110 Stat. 3009 (Sept. 30, 1996); Pub. L. No. 105-347, 112 Stat. 3211 (Nov. 2, 1998); Pub. L. No. 108-159, 117 Stat. 1959 (Dec. 4, 2003); Pub. L. No. 111-203, 124 Stat. 1376 (July 21, 2010); Pub. L. No. 111-174, 132 Stat. 1333 (May 24, 2018)]

Fair Credit Reporting: (a) One-call fraud alerts.

(1) Initial alerts. Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, a consumer reporting agency described in section 1681a(p) that maintains a file on the consumer and has received appropriate proof of the identity of the requester shall—

Fair Credit Reporting: (b) Extended alerts.

(1) In general. Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who submits an identity theft report to a consumer reporting agency described in section 1681a(p) that maintains a file on the consumer, if the agency has received appropriate proof of the identity of the requester, the agency shall—

Fair Credit Reporting: (c) Active duty alerts.

Upon the direct request of an active duty military consumer, or an individual acting on behalf of or as a personal representative of an active duty military consumer, a consumer reporting agency described in section 1681a(p) that maintains a file on the active duty military consumer and has received appropriate proof of the identity of the requester shall—

Fair Credit Reporting: (d) Procedures.

Each consumer reporting agency described in section 1681a(p) shall establish policies and procedures to comply with this section, including procedures that inform consumers of the availability of initial, extended, and active duty alerts and procedures that allow consumers and active duty military consumers to request initial, extended, or active duty alerts (as applicable) in a simple and easy manner, including by telephone.

Fair Credit Reporting: (e) Referrals of alerts.

Each consumer reporting agency described in section 1681a(p) that receives a referral of a fraud alert or active duty alert from another consumer reporting agency pursuant to this section shall, as though the agency received the request from the consumer directly, follow the procedures required under—

(1) paragraphs (1)(A) and (2) of subsection (a), in the case of a referral under subsection (a)(1)(B);

Fair Credit Reporting: (g) Duty of other consumer reporting agencies to provide contact information.

If a consumer contacts any consumer reporting agency that is not described in section 1681a(p) to communicate a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, the agency shall provide information to the consumer on how to contact the Bureau and the consumer reporting agencies described in section 1681a(p) to obtain more detailed information and request alerts under this section.

Fair Credit Reporting: (i) National security freeze.

(1) Definitions. For purposes of this subsection:

(A) The term “consumer reporting agency” means a consumer reporting agency described in section 1681a(p) of this title.

(B) The term “proper identification” has the meaning of such term as used under section 1681h.