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Fair Credit Reporting Act (15 U.S.C § 1681): Revised May 2023
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About Fair Credit Reporting Act
The Fair Credit Reporting Act (FCRA) is a federal law in the United States that regulates how consumer credit information is collected, used, and shared by credit reporting agencies (also known as credit bureaus) and other entities that provide or use consumer credit information. The FCRA aims to ensure accuracy, fairness, and privacy in the reporting of consumer credit information. The staff of the Federal Trade Commission (FTC) prepared the 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 Publishing 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 (§§ 601-629) 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 substitute for the text in the U.S. Code.
