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Fair Credit Reporting: (k) Credit monitoring.

(1) Definitions. In this subsection:

(A) The term ‘active duty military consumer’ includes a member of the National Guard.

(B) The term ‘National Guard’ has the meaning given the term in section 101(c) of title 10.

Fair Credit Reporting: Amendment History

[Pub. L. No. 90-321, tit. VI, § 605A, as added by Pub. L. No. 108-159, 117 Stat. 1955 (Dec. 4, 2003); Pub. L. No. 111-203, 124 Stat. 1376 (July 21, 2010); Pub. L. No. 115-174, 132 Stat. 1326 (May 24, 2018)]

Fair Credit Reporting: § 1681c-2. Block of information resulting from identity theft [FCRA § 605B]

(a) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of—

(1) appropriate proof of the identity of the consumer;

(2) a copy of an identity theft report;

Fair Credit Reporting: § 1681d. Disclosure of investigative consumer reports [FCRA § 606]

(a) Disclosure of fact of preparation. A person may not procure or cause to be prepared an investigative consumer report on any consumer unless—

(1) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure

Fair Credit Reporting: § 1681e. Compliance procedures [FCRA § 607]

(a) Identity and purposes of credit users. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose.

Fair Credit Reporting: § 1681f. Disclosures to governmental agencies [FCRA § 608]

Notwithstanding the provisions of section 1681b of this title, a consumer reporting agency may furnish identifying information respecting any consumer, limited to his name, address, former addresses, places of employment, or former places of employment, to a governmental agency.

[Pub. L. No. 90-321, tit. VI, § 608, as added by Pub. L. No. 91-508, 84 Stat. 1131 (Oct. 26, 1970)]

Fair Credit Reporting: (b) Exempt information.

The requirements of subsection (a) of this section respecting the disclosure of sources of information and the recipients of consumer reports do not apply to information received or consumer reports furnished prior to the effective date of this subchapter except to the extent that the matter involved is contained in the files of the consumer reporting agency on that date.

Fair Credit Reporting: (c) Summary of rights to obtain and dispute information in consumer reports and to obtain credit scores.

(1) Commission summary of rights required.

(A) In general. The Bureau shall prepare a model summary of the rights of consumers under this title.

(B) Content of summary. The summary of rights prepared under subparagraph (A) shall include a description of—

(i) the right of a consumer to obtain a copy of a consumer report under subsection (a) from each consumer reporting agency;

Fair Credit Reporting: (d) Summary of rights of identity theft victims.

(1) In general. The Bureau, in consultation with the Federal banking agencies and the National Credit Union Administration, shall prepare a model summary of the rights of consumers under this title with respect to the procedures for remedying the effects of fraud or identity theft involving credit, an electronic fund transfer, or an account or transaction at or with a financial institution or other creditor.

Fair Credit Reporting: (e) Information available to victims.

(1) In general. For the purpose of documenting fraudulent transactions resulting from identity theft, not later than 30 days after the date of receipt of a request from a victim in accordance with paragraph (3), and subject to verification of the identity of the victim and the claim of identity theft in accordance with paragraph (2), a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person

Fair Credit Reporting: (f) Disclosure of credit scores.

(1) In general. Upon the request of a consumer for a credit score, a consumer reporting agency shall supply to the consumer a statement indicating that the information and credit scoring model may be different than the credit score that may be used by the lender, and a notice which shall include—

Fair Credit Reporting: (g) Disclosure of credit scores by certain mortgage lenders.

(1) In general. Any person who makes or arranges loans and who uses a consumer credit score, as defined in subsection (f), in connection with an application initiated or sought by a consumer for a closed end loan or the establishment of an open end loan for a consumer purpose that is secured by 1 to 4 units of residential real property (hereafter in this subsection referred to as the “lender”) shall provide the following to the consumer as soon as reasonably practicable:

Fair Credit Reporting: Amendment History

[Pub. L. No. 90-321, tit. VI, § 609, as added by Pub. L. No. 91-508, 84 Stat. 1131 (Oct. 26, 1970), and amended by Pub. L. No. 103-325, 108 Stat. 2237 (Sept. 23, 1994); Pub. L. No. 104-208, 110 Stat. 3009 (Sept. 30, 1996); Pub. L. No. 105-347, 112 Stat. 3210 (Nov. 2, 1998); Pub. L. No. 108-159, 117 Stat. 1961 (Dec. 4, 2003); Pub. L. No. 111-203, 124 Stat. 1376 (July 21, 2010)]

Fair Credit Reporting: § 1681h. Conditions and form of disclosure to consumers [FCRA § 610]

(a) In general.

(1) Proper identification. A consumer reporting agency shall require, as a condition of making the disclosures required under section 1681g of this title, that the consumer furnish proper identification.

(2) Disclosure in writing. Except as provided in subsection (b) of this section, the disclosures required to be made under section 1681g of this title shall be provided under that section in writing.

Fair Credit Reporting: (b) Statement of dispute.

If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute.

Fair Credit Reporting: (c) Notification of consumer dispute in subsequent consumer reports.

Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer’s statement or a clear and accurate codification or summary thereof.

Fair Credit Reporting: (d) Notification of deletion of disputed information.

Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection (b) or (c) of this section to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer repo

Fair Credit Reporting: (e) Treatment of complaints and report to Congress.

(1) In general. The Bureau shall—

(A) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 1681a(p) contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection (a); and

Fair Credit Reporting: (g) Dispute process for veteran’s medical debt.

(1) In general. With respect to a veteran's medical debt, the veteran may submit a notice described in paragraph (2), proof of liability of the Department of Veterans Affairs for payment of that debt, or documentation that the Department of Veterans Affairs is in the process of making payment for authorized hospital care, medical services, or extended care services rendered to a consumer reporting agency or a reseller to dispute the inclusion of that debt on a consumer report of the veteran.

Fair Credit Reporting: Amendment History

[Pub. L. No. 90-321, tit. VI, § 611, as added by Pub. L. No. 91-508, 84 Stat. 1132 (Oct. 26, 1970), and amended by 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. 1994 (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)]