fcra - information review

The Federal Fair Credit Reporting Act (FCRA) requires that this notice be provided to inform users of consumer reports of their legal obligations and the consequences of any violations. State law may impose additional requirements.

We have included the entire portion of the following sections listed below. The highlighted text in each section most applies to you as a user of consumer credit information.

604   Permissible purposes of consumer reports
615   Requirements on users of consumer reports
616   Civil liability for willful noncompliance
617   Civil liability for negligent noncompliance
619   Obtaining information under false pretenses

The entire FCRA, 15 U.S.C. 1681-1681u can be found on the Federal Trade Commission's web site at http://www.ftc.gov under the heading of "Consumer Protection." For your convenience, we have also included the Fair Credit Reporting Act (both Summary of Rights and Full Text) on this site.