美国公平信用报告法fcra译本

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1、美国公平信用报告法（FCRA）译本译者：billtownhttp://billtonn.blog.163.com/公平信用报告法是本人于2002年为研究信用立法而做的基础工作，现分三篇全文送上，欢迎批评指正。 THEFAIRCREDITREPORTINGACTTABLEOFCONTENTS § 601Shorttitle小标题§ 602Congressionalfindingsandstatementofpurpose国会决定和目的说明§ 603Definitions;rulesofconstruction定义：法律解释规则§ 604

2、Permissiblepurposesofconsumerreports消费者报告可允许达到的目的§ 605Requirementsrelatingtoinformationcontainedinconsumerreports对消费者报告有关信息的要求§ 606Disclosureofinvestigativeconsumerreports经调查的消费者报告的披露§ 607Complianceprocedures须遵守的程序§ 608Disclosurestogovernmentalagencies向政府机构披露§ 609Disclo

3、surestoconsumers向消费者披露§ 610Conditionsandformofdisclosuretoconsumers对消费者披露的条件和格式§ 611Procedureincaseofdisputedaccuracy准确性争议发生时的处理程序§ 612Chargesforcertaindisclosures对某些披露收取的费用§ 613Publicrecordinformationforemploymentpurposes为就业目的提供公共记录信息§ 614Restrictionsoninvestigativecon

4、sumerreports对经调查的消费者报告的限制§ 615Requirementsonusersofconsumerreports对消费者报告使用者的要求§ 616Civilliabilityforwillfulnoncompliance故意违法的民事责任§ 617Civilliabilityfornegligentnoncompliance过失违法的民事责任§ 618Jurisdictionofcourts;limitationofactions法院管辖权：诉讼时效§ 619Obtaininginformationunderfal

5、sepretenses受欺诈而获取的信息§ 620Unauthorizeddisclosuresbyofficersoremployees职员或雇员未经授权的披露§ 621Administrativeenforcement行政执行§ 622Informationonoverduechildsupportobligations未尽儿童抚养义务的有关信息§ 623Responsibilitiesoffurnishersofinformationtoconsumerreportingagencies向消费者报告机构提供信息的人的责任§ 62

6、4RelationtoStatelaws与州法律的关系§ 625DisclosurestoFBIforcounterintelligencepurposes为反间谍目的而向联邦调查局披露§ 626Disclosurestogovernmentalagenciesforcounterterrorismpurposes为反恐怖行为目的而向政府机构披露  § 601.Shorttitle小标题ThistitlemaybecitedastheFairCreditReportingAct.此小标题为“公平信用报告法”。§602.Congress

7、ionalfindingsandstatementofpurpose[15U.S.C.§1681]国会决定和目的陈述(a)Accuracyandfairnessofcreditreporting.TheCongressmakesthefollowingfindings:信用报告的准确性和公平性。国会作出如下决定：(1)Thebankingsystemisdependentuponfairandaccuratecreditreporting.Inaccuratecreditreportsdirectlyimpairtheefficien

8、cyofthebankingsystem,andunfaircreditreportingmethodsunderminethepublicconfidencewhichisessentialtothecontinued