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.)

This version of the FCRA is complete as of January 7, 2002. It 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), and 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).