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1、sapublicservice,thestaffoftheFederalTradeCommission(FTC)hasApreparedthefollowingcompletetextoftheFairCreditReportingAct(FCRA),15U.S.C.§1681etseq.AlthoughstaffgenerallyfollowedtheformatoftheU.S.CodeaspublishedbytheGovernmentPrintingOffice,theformatofthistextdoesdifferinmino
2、rwaysfromtheCode(andfromWest’sU.S.CodeAnnotated).Forexample,thisversionusesFCRAsectionnumbers(§§601-629)intheheadings.(TherelevantU.S.CodecitationisincludedwitheachsectionheadingandeachreferencetotheFCRAinthetext.)Althoughthestaffhasmadeeveryefforttotranscribethestatutorym
3、aterialac-curately,thiscompendiumisintendedonlyasaconvenienceforthepublicandnotasubstituteforthetextintheU.S.Code.ThisversionoftheFCRAincludestheamendmentstotheFCRAsetforthintheConsumerCreditReportingReformActof1996(PublicLaw104-208,theOmnibusConsolidatedAppropriationsActf
4、orFiscalYear1997,TitleII,SubtitleD,Chapter1),Section311oftheIntelligenceAuthorizationforFis-calYear1998(PublicLaw105-107),theConsumerReportingEmploymentClarificationActof1998(PublicLaw105-347),Section506oftheGramm-Leach-BlileyAct(PublicLaw106-102),Sections358(g)and505(c)of
5、theUnitingandStrengtheningAmericabyProvidingAppropriateToolsRequiredtoInterceptandObstructTerrorismActof2001(USAPATRIOTAct)(PublicLaw107-56),theFairandAccurateCreditTransactionsActof2003(FACTAct)(PublicLaw108-159),Section719oftheFinancialServicesRegulatoryReliefActof2006(P
6、ublicLaw109-351),Section743(Div.D,TitleVII)oftheConsolidatedAppropriationsActof2008(PublicLaw110-161),theCreditandDebitCardReceiptClarificationActof2007(PublicLaw110-241),andSections205and302oftheCreditCardAccountabilityResponsibilityandDisclosure(CARD)Actof2009(PublicLaw1
7、11-24),theConsumerFinancialProtectionActof2010(CFPA)(TitleXoftheDodd-FrankWallStreetReformandConsumerProtectionAct,PublicLaw111-203),andtheRedFlagProgramClarificationActof2010(PublicLaw111-203).TheCommissionwebsitepostedthisdocumentonSeptember1,2011.Theprovisionsaddedtothe
8、FCRAbytheFACTActbecameeffectiveatdiffer-enttimes.Insomecases,theprovisionincludesitsownef
