THE FAIR CREDIT REPORTING ACT
As a public service, the staff of the Federal Trade Commission (FTC) has prepared the
following complete text of the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq.
Although staff generally followed the format of the U.S. Code as published by the Government
Printing Office, the format of this text does differ in minor ways from the Code (and from West’s
U.S. Code Annotated). For example, this version uses FCRA section numbers (§§ 601-625) in
the headings. (The relevant U.S. Code citation is included with each section heading and each
reference to the FCRA in the text.) Although the staff has made every effort to transcribe the
statutory material accurately, this compendium is intended only as a convenience for the public
and not a subtitute for the text in the U. S. Code. This document was posted on July 30, 2004.
This version of the FCRA includes the amendments to the FCRA set forth in the Consumer
Credit Reporting Reform Act of 1996 (Public Law 104-208, the Omnibus Consolidated Appropriations
Act for Fiscal Year 1997, Title II, Subtitle D, Chapter 1), Section 311 of the
Intelligence Authorization for Fiscal Year 1998 (Public Law 105-107), the Consumer Reporting
Employment Clarification Act of 1998 (Public Law 105-347), Section 506 of the Gramm-Leach-
Bliley Act (Public Law 106-102), Sections 358(g) and 505(c) of the Uniting and Strengthening
America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of
2001 (USA PATRIOT Act) (Public Law 107-56), and the Fair and Accurate Credit Transactions
Act of 2003 (FACT Act) (Public Law 108-159).
The provisions added to the FCRA by the FACT Act will become effective at different times.
In some cases, the provision includes its own effective date. In other cases, the FACT Act provides
that the effective dates be prescribed by the FTC and Federal Reserve Board. See 16 CFR Part 602.
(69 Fed. Reg. 6526; February 11, 2004) (69 Fed. Reg. 29061; May 20, 2004).