15 USC 1681e - Compliance procedures

U.S Code last checked for updates: Nov 22, 2024

§ 1681e.

Compliance procedures

(a)

Identity and purposes of credit users

(b)

Accuracy of report

(c)

Disclosure of consumer reports by users allowed

(d)

Notice to users and furnishers of information

(1)

Notice requirement

A 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

(e)

Procurement of consumer report for resale

(1)

Disclosure

A 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 resale

A 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 department

Notwithstanding 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

 See References in Text note below.

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.

(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.)

cite as: 15 USC 1681e