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Fair Credit
Reporting Act - Staff Opinion Letters
(1997-2001) |

- Section 603(b)
Definition of "person"
- Allison (02-23-98)
- Section 603(d)(1)
Definition of "consumer report" (general)
- Buchman (03-02-98)
- Schieber (03-03-98)
- Goeke (06-09-98)
- Beaudette (06-09-98)
- Islinger (06-09-98)
- Poquette (06-09-98)
- Lewis (06-11-98)
- Halpern (06-11-98)
- Slyter (06-12-98)
- Hinkle (07-09-98 )
Haner (08-27-98)
- Leathers (09-09-98)
Tabler (10-27-98)
- Sum (09-15-99)
- Tatelbaum (07-26-00)
-
- Section 603(d)(2)
Definition of "consumer report" (exclusions)
- Islinger (06-09-98)
- Hinkle (07-09-98 )
- Pickett (07-10-98)
- Kelley (07-16-98)
Novak (09-09-98)
-
- Section 603(e)
Definition of "investigative consumer report"
- Hinkle (07-09-98)
Willner (03-25-99)
Vail (04-05-99)
- Meisinger (08-31-99)
- Fischel
(10-01-99)
-
- Section 603(f)
Definition of "consumer reporting agency"
- Cast (10-27-97)
- Goeke (06-09-98)
- LeBlanc (06-09-98)
- Islinger (06-09-98)
- Copple (06-10-98)
- Slyter (06-12-98)
- Lee (06-26-98)
- Pickett (07-10-98)
Leathers (09-09-98)
- Throne (11-20-98)
Vail (04-05-99)
- Meisinger (08-31-99)
- Sum (09-15-99)
-
- Section 603(g)
Definition of "file"
- Cohan (08-01-00)
-
- Section 603(h)
Definition of "employment purposes"
- Allison (02-23-98)
- Greathouse (10-20-98)
- Solomon (10-27-98)
-
- Section 603(k)
Definition of "adverse action"
- Schieber (03-03-98)
- Greathouse (10-20-98)
- Hall (10-26-98)
- Spritz (11-05-98)
Vail (04-05-99)
- Gowen (04-29-99)
- Ball (03-01-00)
- Stinneford (07-14-00)
- Latour
(06-28-01)
-
- Section 603(m)
Definition of "credit or insurance that is not initiated by the
consumer"
- Gowen (04-29-99)
- Section 603(o)
Definition of "consumer report" (exception for employment agencies)
- Basting (06-11-98)
- Hahn (07-08-98)
-
- Section 603(p)
Definition of "consumer reporting agency that compiles and
maintains files on consumers on a nationwide basis"
- Cohan (06-29-99)
-
- Section 604(a)
Permissible purposes for which an CRA may furnish a consumer report
-
- Section 604(a)(2)
Written authorization of consumer
- Shibley (06-08-99)
- Landever (10-12-99)
- Zalenski (05-24-01)
-
- Section 604(a)(3)(A)
Credit transaction
- Coffey (02-11-98)
- Bauchner (08-05-98)
- Throne (11-20-98)
- Gowen (04-29-99)
- Benner (04-30-99)
- Woolford (08-06-99)
- Landever (10-12-99)
- Long (07-06-00)
- Tatelbaum (07-26-00)
- Tatelbaum2 (06-22-01)
-
- Section 604(a)(3)(B)
Employment purposes
- Ross (09-02-98)
- Greathouse (10-20-98)
-
- Section 604(a)(3)(C)
Underwriting of insurance
- Buchman (03-02-98)
- Greathouse (10-20-98)
- Ball (03-01-00)
-
- Section 604(a)(3)(D)
Grant of license or benefit by governmental instrumentality
- Greathouse (10-20-98)
-
- Section 604(a)(3)(F)
Legitimate business need
- Coffey (02-11-98)
- Buchman (03-02-98)
- Kaiser (07-16-98)
- Greenblatt (10-27-98)
- Gowen (04-29-99)
- Benner (04-30-99)
- Shibley (06-08-99)
- Long (07-06-00)
- Tatelbaum (07-26-00)
- Section 604(a)(4-5)
Child support purposes
- Baughn (04-30-99)
- Woolford (08-06-99)
-
- Section 604(b)
Consumer reports for employment purposes
- Allison (02-23-98)
- Rosen (06-09-98)
- Beaudette (06-09-98)
- Lewis (06-11-98)
- Hauxwell (06-12-98)
- Slyter (06-12-98)
- Pickett (07-10-98)
-
- Section 604(b)(1)
User certification requirements; CRA obligation to provide summary of rights
- Hahn (12-23-97)
- Kilgo (07-28-98)
-
- Section 604(b)(2)
Pre-report disclosure to consumer by employer; authorization by consumer
- Steer (10-21-97)
- Solganik (10-23-97)
- Hawkey (12-18-97)
- Coffey (02-11-98)
- Brisch (06-11-98)
- Hauxwell (06-12-98)
- Slyter (06-12-98)
- Kilgo (07-28-98)
- James (08-05-98)
- Leathers (09-09-98)
Willner (03-25-99)
- Fischel
(10-01-99)
-
- Section 604(b)(3)
Employer pre-adverse action report
copy and summary of rights to consumer
- Weisberg (06-27-97)
- Solganik (10-23-97)
- Hawkey (12-18-97)
- Coffey (02-11-98)
- Rosen (06-09-98)
- Brisch (06-11-98)
- Lewis (06-11-98)
- Hahn (07-08-98)
- Hinkle (07-09-98)
Leathers (09-09-98)
- Solomon (10-27-98)
Willner (03-25-99)
Vail (04-05-99)
- Meisinger (08-31-99)
-
- Section 604(c)(1)(A)
Reports for non-consumer-initiated credit or insurance transactions
- Buchman (03-02-98)
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- Section 605
Information contained in consumer reports
- Section 605(a)(1)
Time limits: Bankruptcies
- Anonymous (11-05-99)
-
- Section 605(a)(4): Section 605(c)
Time limits: Charge-off and collection accounts
- Johnson (08-31-98)
- Kosmerl (06-04-99)
- Amason (02-15-00)
-
- Section 605(a)(5)
Time limits: Reporting adverse information (general)
- Seham (04-17-98)
Goeke (06-09-98)
- Nadell (12-10-98)
- Rosen (06-04-99)
- Sum (09-15-99)
- Holland (12-16-99)
-
- Section 605(a)(5)(repealed 11-02-98)
Time Limits: Records of arrest, indictment, or conviction
- Rosen (06-09-98)
- Halpern (06-11-98)
-
- Section 605(b)
Time Limits: Exempted cases
- Sum (09-15-99)
-
- Section 606
Investigative consumer report disclosures
- Allison (02-23-98)
- Beaudette (06-09-98)
- Pickett (07-10-98)
-
- Section 606(a)
Disclosure of preparation of investigative consumer report
- Hawkey (12-18-97)
- Brisch (06-11-98)
Hauxwell (06-12-98)
- Willner (03-25-99)
-
- Section 606(b)
Disclosure of nature and scope of report
- Brisch (06-11-98)
Hauxwell (06-12-98)
- Willner (03-25-99)
-
- Section 607(a)
Reasonable procedures to comply with §§ 604 and 605
- LeBlanc (06-09-98)
- Landever (10-12-99)
-
- Section 607(b)
Reasonable procedures to assure maximum possible accuracy
- Lovern (04-24-98)
- LeBlanc (06-09-98)
- Harris (03-22-99)
- McCorkell (06-03-99)
- Watkins (06-24-99)
-
- Section 607(d)
Notice to users and furnishers
- LeBlanc (06-09-98)
-
- Section 607(e)
Procurement of reports for resale
- Goeke (06-09-98)
- LeBlanc (06-09-98)
- Rosen (06-09-98)
- Beaudette (06-09-98)
- Benner (04-30-99)
-
- Section 609
Disclosures to consumers
- Beaudette (06-09-98)
- Lee (06-26-98)
- Cohan (08-01-00)
-
- Section 609(a)(1)
Information to be disclosed
- Hahn (07-08-98)
- Darcy (06-30-00)
-
- Section 609(a)(3)
Identification of recipients
- LeBlanc (06-09-98)
- Rosen (06-09-98)
- Benner (04-30-99)
- Cohan (08-01-00)
-
- Section 609(c)
Summary of rights to be included with disclosure
- LeBlanc (06-09-98)
- Cohan (06-29-99)
-
- Section 610
Conditions and form of disclosure to consumers
- Beaudette (06-09-98)
-
- Section 611(a)
Investigation of consumer disputes by CRAs
- Tabler (10-27-98)
- Cohan (08-01-00)
-
- Section 611(c)
Notice of dispute in subsequent reports
- Edwards (07-15-98)
-
- Section 612
Charges for disclosures
- Lee (06-26-98)
- Cohan (08-01-00)
-
- Section 613
Public record information for employment purposes
- Slyter (06-12-98)
- Allan (05-05-99)
- Holland (12-16-99)
-
- Section 615(a)
Required notice of adverse action based on a consumer report
- Weisberg (06-27-97)
- Solganik (10-23-97)
- Cast (10-27-97)
- Hawkey (12-18-97)
- Allison (02-23-98)
- Schieber (03-03-98)
- Pickett (07-10-98)
- Everson (07-28-98)
- Hall (10-26-98)
- Sheffield (11-10-98)
- Cohan (06-29-99)
- Allan (02-14-00)
- Ball (03-01-00)
- Stinneford (07-14-00)
- Latour
(06-28-01)
-
- Section 615(b)
Required notice of adverse action based on information from a
third party
- Riddle (03-17-99)
-
- Section 616-617
Civil liability
- Greenblatt (10-27-98)
- Long (07-06-00)
-
- Section 618
Statute of limitations
- Kilgo (07-28-98)
-
- Section 621
Administrative enforcement
- Greenblatt (10-27-98)
-
- Section 623(a)(1)
Duty of furnishers to provide accurate information
- Jaffe (07-17-98)
- Watkins (06-24-99)
- Boynton (02-15-00)
-
- Section 623(a)(2)
Duty of furnishers to correct and update information
- Harris (03-22-99)
- Boynton (02-15-00)
-
- Section 623(a)(3)
Duty of furnishers to provide notice of dispute
- Harvey (12-23-97)
-
- Section 623(a)(5)
Duty of furnishers to provide date of delinquency on charge-off, collection or
similar accounts
- Harvey (12-23-97)
- Gillespie (03-10-98)
- Johnson (08-31-98)
- Kosmerl (06-04-99)
- Amason (02-15-00)
-
- Section 623(b)
Duty of furnishers to investigate consumer disputes
- Tabler (10-27-98)
- Cohan (08-01-00)
-
- Section 623(c)
Liability of furnishers
- Watkins (06-24-99)
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Last Updated: Tuesday, April 09, 2002 |