FCRA (Fair Credit Reporting Act, 15 U.S.C.) § 1681e — Compliance procedures

Name: FCRA (Fair Credit Reporting Act, 15 U.S.C.) § 1681e — Compliance procedures — machine-readable register
Creator: Claude for Compliance
License: https://creativecommons.org/licenses/by-nd/4.0/

fcra-15usc-1681e

FCRA (Fair Credit Reporting Act, 15 U.S.C.), §1681e Compliance procedures. Captured section-complete from Cornell LII (verbatim).

This register: .xlsx .csv

source:
  type: regulation
  id: fcra-15usc-1681e
  authority: FCRA (Fair Credit Reporting Act, 15 U.S.C.) § 1681e — Compliance procedures
  description: |
    FCRA (Fair Credit Reporting Act, 15 U.S.C.), §1681e Compliance procedures. Captured section-complete from Cornell LII (verbatim).
  effective_date: '2010-07-21'
  date_basis: 'statutory credit line: enactment date of the latest amendment listed (OLRC U.S. Code snapshot bdf9a5ea1d7ce9bb); an amendment''s own effective-date provision may set a different date'
obligations:
  - id: fcra-15usc-1681e-a
    canonical_id: fcra-15usc-1681e-a
    section: 15 U.S.C. §1681e(a)
    description: '(a): (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…'
    type: do
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    judgment: false
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    cadence: ''
    consequence: ''
    tags:
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      - section-complete
      - usc-statute
    primary_source:
      tier: 1
      authority: 15 U.S.C. §1681e(a)
      source_class: usc-statute-lii
      source_url: https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1681e&num=0&edition=prelim
      snapshot_id: bdf9a5ea1d7ce9bb
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      content_hash: sha256:a3beb1721b2510d46e6bf264677f0868b94031431dcbdd8593bc874c8fc13bc9
      paragraph_quote: (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. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
      drafter_attestation: 'Verbatim 15 U.S.C. §1681e(a) from the Office of the Law Revision Counsel''s USLM XML (USLM release point 119-111), snapshot bdf9a5ea1d7ce9bb; each level''s line joined with single spaces; substring-verified. Re-segmented 2026-09-26 on the USLM hierarchy (scripts/resegment-usc.py): the prior capture held the same words but cut the section at every (i)/(v)/(x).'
      publisher: uscode.house.gov
      verified_against: uscode.house.gov
      verified_on: '2026-09-26'
      corroborated_by: govinfo.gov
      corroborated_on: '2026-09-13'
  - id: fcra-15usc-1681e-b
    canonical_id: fcra-15usc-1681e-b
    section: 15 U.S.C. §1681e(b)
    description: '(b): (b) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.'
    type: do
    audit_question: ''
    program_review: ''
    file_review: ''
    judgment: false
    feeds: []
    workflow_phase: ''
    owner_role: ''
    secondary_owner_role: ''
    cadence: ''
    consequence: ''
    tags:
      - regulator-direct
      - gap-fill
      - section-complete
      - usc-statute
    primary_source:
      tier: 1
      authority: 15 U.S.C. §1681e(b)
      source_class: usc-statute-lii
      source_url: https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1681e&num=0&edition=prelim
      snapshot_id: bdf9a5ea1d7ce9bb
      fetched_at: '2026-09-26T22:29:12Z'
      content_hash: sha256:a3beb1721b2510d46e6bf264677f0868b94031431dcbdd8593bc874c8fc13bc9
      paragraph_quote: (b) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
      drafter_attestation: 'Verbatim 15 U.S.C. §1681e(b) from the Office of the Law Revision Counsel''s USLM XML (USLM release point 119-111), snapshot bdf9a5ea1d7ce9bb; each level''s line joined with single spaces; substring-verified. Re-segmented 2026-09-26 on the USLM hierarchy (scripts/resegment-usc.py): the prior capture held the same words but cut the section at every (i)/(v)/(x).'
      publisher: uscode.house.gov
      verified_against: uscode.house.gov
      verified_on: '2026-09-26'
      corroborated_by: govinfo.gov
      corroborated_on: '2026-09-13'
  - id: fcra-15usc-1681e-c
    canonical_id: fcra-15usc-1681e-c
    section: 15 U.S.C. §1681e(c)
    description: '(c): (c) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in wh…'
    type: dont
    audit_question: ''
    program_review: ''
    file_review: ''
    judgment: false
    feeds: []
    workflow_phase: ''
    owner_role: ''
    secondary_owner_role: ''
    cadence: ''
    consequence: ''
    tags:
      - regulator-direct
      - gap-fill
      - section-complete
      - usc-statute
    primary_source:
      tier: 1
      authority: 15 U.S.C. §1681e(c)
      source_class: usc-statute-lii
      source_url: https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1681e&num=0&edition=prelim
      snapshot_id: bdf9a5ea1d7ce9bb
      fetched_at: '2026-09-26T22:29:12Z'
      content_hash: sha256:a3beb1721b2510d46e6bf264677f0868b94031431dcbdd8593bc874c8fc13bc9
      paragraph_quote: (c) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.
      drafter_attestation: 'Verbatim 15 U.S.C. §1681e(c) from the Office of the Law Revision Counsel''s USLM XML (USLM release point 119-111), snapshot bdf9a5ea1d7ce9bb; each level''s line joined with single spaces; substring-verified. Re-segmented 2026-09-26 on the USLM hierarchy (scripts/resegment-usc.py): the prior capture held the same words but cut the section at every (i)/(v)/(x).'
      publisher: uscode.house.gov
      verified_against: uscode.house.gov
      verified_on: '2026-09-26'
      corroborated_by: govinfo.gov
      corroborated_on: '2026-09-13'
  - id: fcra-15usc-1681e-d
    canonical_id: fcra-15usc-1681e-d
    section: 15 U.S.C. §1681e(d)
    description: '(d): (d) Notice to users and furnishers of information (1) Notice requirementA consumer reporting agency shall provide to any person— (A) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer; or (B) to whom a consumer report is provided by…'
    type: do
    audit_question: ''
    program_review: ''
    file_review: ''
    judgment: false
    feeds: []
    workflow_phase: ''
    owner_role: ''
    secondary_owner_role: ''
    cadence: ''
    consequence: ''
    tags:
      - regulator-direct
      - gap-fill
      - section-complete
      - usc-statute
    primary_source:
      tier: 1
      authority: 15 U.S.C. §1681e(d)
      source_class: usc-statute-lii
      source_url: https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1681e&num=0&edition=prelim
      snapshot_id: bdf9a5ea1d7ce9bb
      fetched_at: '2026-09-26T22:29:12Z'
      content_hash: sha256:a3beb1721b2510d46e6bf264677f0868b94031431dcbdd8593bc874c8fc13bc9
      paragraph_quote: (d) Notice to users and furnishers of information (1) Notice requirementA consumer reporting agency shall provide to any person— (A) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer; or (B) to whom a consumer report is provided by the agency; a notice of such person’s responsibilities under this subchapter. (2) Content of notice The Bureau shall prescribe the content of notices under paragraph (1), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph (1) that is substantially similar to the Bureau prescription under this paragraph.
      drafter_attestation: 'Verbatim 15 U.S.C. §1681e(d) from the Office of the Law Revision Counsel''s USLM XML (USLM release point 119-111), snapshot bdf9a5ea1d7ce9bb; each level''s line joined with single spaces; substring-verified. Re-segmented 2026-09-26 on the USLM hierarchy (scripts/resegment-usc.py): the prior capture held the same words but cut the section at every (i)/(v)/(x).'
      publisher: uscode.house.gov
      verified_against: uscode.house.gov
      verified_on: '2026-09-26'
      corroborated_by: govinfo.gov
      corroborated_on: '2026-09-13'
  - id: fcra-15usc-1681e-e
    canonical_id: fcra-15usc-1681e-e
    section: 15 U.S.C. §1681e(e)
    description: '(e): (e) Procurement of consumer report for resale (1) DisclosureA person may not procure a consumer report for purposes of reselling the report (or any information in the report) unless the person discloses to the consumer reporting agency that originally furnishes the report— (A) the identity of the en…'
    type: dont
    audit_question: ''
    program_review: ''
    file_review: ''
    judgment: false
    feeds: []
    workflow_phase: ''
    owner_role: ''
    secondary_owner_role: ''
    cadence: ''
    consequence: ''
    tags:
      - regulator-direct
      - gap-fill
      - section-complete
      - usc-statute
    primary_source:
      tier: 1
      authority: 15 U.S.C. §1681e(e)
      source_class: usc-statute-lii
      source_url: https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1681e&num=0&edition=prelim
      snapshot_id: bdf9a5ea1d7ce9bb
      fetched_at: '2026-09-26T22:29:12Z'
      content_hash: sha256:a3beb1721b2510d46e6bf264677f0868b94031431dcbdd8593bc874c8fc13bc9
      paragraph_quote: (e) Procurement of consumer report for resale (1) DisclosureA person may not procure a consumer report for purposes of reselling the report (or any information in the report) unless the person discloses to the consumer reporting agency that originally furnishes the report— (A) the identity of the end-user of the report (or information); and (B) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report (or information). (2) Responsibilities of procurers for resaleA person who procures a consumer report for purposes of reselling the report (or any information in the report) shall— (A) establish and comply with reasonable procedures designed to ensure that the report (or information) is resold by the person only for a purpose for which the report may be furnished under section 1681b of this title, including by requiring that each person to which the report (or information) is resold and that resells or provides the report (or information) to any other person— (i) identifies each end user of the resold report (or information); (ii) certifies each purpose for which the report (or information) will be used; and (iii) certifies that the report (or information) will be used for no other purpose; and (B) before reselling the report, make reasonable efforts to verify the identifications and certifications made under subparagraph (A). (3) Resale of consumer report to a Federal agency or departmentNotwithstanding paragraph (1) or (2), a person who procures a consumer report for purposes of reselling the report (or any information in the report) shall not disclose the identity of the end-user of the report under paragraph (1) or (2) if— (A) the end user is an agency or department of the United States Government which procures the report from the person for purposes of determining the eligibility of the consumer concerned to receive access or continued access to classified information (as defined in section 1681b(b)(4)(E)(i) [1] of this title); and (B) the agency or department certifies in writing to the person reselling the report that nondisclosure is necessary to protect classified information or the safety of persons employed by or contracting with, or undergoing investigation for work or contracting with the agency or department.
      drafter_attestation: 'Verbatim 15 U.S.C. §1681e(e) from the Office of the Law Revision Counsel''s USLM XML (USLM release point 119-111), snapshot bdf9a5ea1d7ce9bb; each level''s line joined with single spaces; substring-verified. Re-segmented 2026-09-26 on the USLM hierarchy (scripts/resegment-usc.py): the prior capture held the same words but cut the section at every (i)/(v)/(x).'
      publisher: uscode.house.gov
      verified_against: uscode.house.gov
      verified_on: '2026-09-26'
      corroborated_by: govinfo.gov
      corroborated_on: '2026-09-13'
    former_ids:
      - fcra-15usc-1681e-i
  - id: fcra-15usc-1681e-notes
    canonical_id: fcra-15usc-1681e-notes
    section: 15 U.S.C. §1681e note — source credit and editorial notes (not statute text)
    description: 'Editorial matter printed after the statute text: the source credit (enacting and amending public laws) and any footnotes or notes (e.g. Historical and Revision Notes, committee reports, References in Text). Not part of the operative statute.'
    type: note
    audit_question: ''
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    file_review: ''
    judgment: false
    feeds: []
    workflow_phase: ''
    owner_role: ''
    secondary_owner_role: ''
    cadence: ''
    consequence: ''
    tags:
      - statute-notes
      - not-statute-text
    primary_source:
      tier: 1
      authority: 15 U.S.C. §1681e note — source credit and editorial notes (not statute text)
      source_class: usc-statute-lii
      source_url: https://www.law.cornell.edu/uscode/text/15/1681e
      snapshot_id: e038ca31f407be22
      fetched_at: '2026-06-18T00:00:00+00:00'
      content_hash: sha256:6beae2d90fccb58c8badc2ea5ff6b8503efc4a244f29ce2412df0989ed97abbc
      paragraph_quote: ( Pub. L. 90–321, title VI, § 607 , as added Pub. L. 91–508, title VI, § 601 , Oct. 26, 1970 , 84 Stat. 1130 ; amended Pub. L. 104–208, div. A, title II, § 2407 , Sept. 30, 1996 , 110 Stat. 3009–435 ; Pub. L. 105–107, title III, § 311(b) , Nov. 20, 1997 , 111 Stat. 2256 ; Pub. L. 111–203, title X, § 1088(a)(2)(A) , July 21, 2010 , 124 Stat. 2087 .) [1] See References in Text note below.
      drafter_attestation: Split 2026-09-26 (scripts/split-statute-notes.py) from fcra-15usc-1681e-i, whose quote ran past the end of 15 U.S.C. §1681e(i) into the section's source credit and editorial notes. Verbatim tail of that quote; substring-verified against snapshot e038ca31f407be22.
    split_from: fcra-15usc-1681e-i

Verbatim regulatory text (6)

Verbatim provisions from FCRA (Fair Credit Reporting Act, 15 U.S.C.) § 1681e — Compliance procedures — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

15 U.S.C. §1681e(a)

(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. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

Source: 15 U.S.C. §1681e(a) · source URL · snapshot bdf9a5ea1d7ce9bb

15 U.S.C. §1681e(b)

(b) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Source: 15 U.S.C. §1681e(b) · source URL · snapshot bdf9a5ea1d7ce9bb

15 U.S.C. §1681e(c)

(c) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.

Source: 15 U.S.C. §1681e(c) · source URL · snapshot bdf9a5ea1d7ce9bb

15 U.S.C. §1681e(d)

(d) Notice to users and furnishers of information (1) Notice requirementA consumer reporting agency shall provide to any person— (A) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer; or (B) to whom a consumer report is provided by the agency; a notice of such person’s responsibilities under this subchapter. (2) Content of notice The Bureau shall prescribe the content of notices under paragraph (1), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph (1) that is substantially similar to the Bureau prescription under this paragraph.

Source: 15 U.S.C. §1681e(d) · source URL · snapshot bdf9a5ea1d7ce9bb

15 U.S.C. §1681e(e)

(e) Procurement of consumer report for resale (1) DisclosureA person may not procure a consumer report for purposes of reselling the report (or any information in the report) unless the person discloses to the consumer reporting agency that originally furnishes the report— (A) the identity of the end-user of the report (or information); and (B) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report (or information). (2) Responsibilities of procurers for resaleA person who procures a consumer report for purposes of reselling the report (or any information in the report) shall— (A) establish and comply with reasonable procedures designed to ensure that the report (or information) is resold by the person only for a purpose for which the report may be furnished under section 1681b of this title, including by requiring that each person to which the report (or information) is resold and that resells or provides the report (or information) to any other person— (i) identifies each end user of the resold report (or information); (ii) certifies each purpose for which the report (or information) will be used; and (iii) certifies that the report (or information) will be used for no other purpose; and (B) before reselling the report, make reasonable efforts to verify the identifications and certifications made under subparagraph (A). (3) Resale of consumer report to a Federal agency or departmentNotwithstanding paragraph (1) or (2), a person who procures a consumer report for purposes of reselling the report (or any information in the report) shall not disclose the identity of the end-user of the report under paragraph (1) or (2) if— (A) the end user is an agency or department of the United States Government which procures the report from the person for purposes of determining the eligibility of the consumer concerned to receive access or continued access to classified information (as defined in section 1681b(b)(4)(E)(i) [1] of this title); and (B) the agency or department certifies in writing to the person reselling the report that nondisclosure is necessary to protect classified information or the safety of persons employed by or contracting with, or undergoing investigation for work or contracting with the agency or department.

Source: 15 U.S.C. §1681e(e) · source URL · snapshot bdf9a5ea1d7ce9bb

15 U.S.C. §1681e note — source credit and editorial notes (not statute text)

( Pub. L. 90–321, title VI, § 607 , as added Pub. L. 91–508, title VI, § 601 , Oct. 26, 1970 , 84 Stat. 1130 ; amended Pub. L. 104–208, div. A, title II, § 2407 , Sept. 30, 1996 , 110 Stat. 3009–435 ; Pub. L. 105–107, title III, § 311(b) , Nov. 20, 1997 , 111 Stat. 2256 ; Pub. L. 111–203, title X, § 1088(a)(2)(A) , July 21, 2010 , 124 Stat. 2087 .) [1] See References in Text note below.

Source: 15 U.S.C. §1681e note — source credit and editorial notes (not statute text) · source URL · snapshot e038ca31f407be22

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Source of record: https://claudeforcompliance.com/regs/fcra-15usc-1681e/ · register fcra-15usc-1681e · verbatim, source-snapshotted regulator text from the Claude for Compliance corpus. To work from every register at once, download the corpus and follow the methodology.