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The Fair Credit Reporting Act

As a public service, the staff of the Federal Trade Commission (FTC) has prepared the following complete text of the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code (and from West's U.S. Code Annotated). For example, this version uses FCRA section numbers (§§ 601-625) in the headings. (The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text.)

This version of the FCRA is complete as of July 1999. It includes the amendments to the FCRA set forth in the Consumer Credit Reporting Reform Act of 1996 (Public Law 104-208, the Omnibus Consolidated Appropriations Act for Fiscal Year 1997, Title II, Subtitle D, Chapter 1), Section 311 of the Intelligence Authorization for Fiscal Year 1998 (Public Law 105-107), and the Consumer Reporting Employment Clarification Act of 1998 (Public Law 105-347).

To view the complete statutes of the Fair credit Reporting Act, please follow this link to the Federal Trade Commissions Web-site. http://www.ftc.gov/os/statutes/fcra.htm

Below are downloads for the FCRA

  1. Applicant's FCRA Rights (PDF)
  2. Notice to Users of Our Reports (PDF)
  3. Compliance (PDF)

To download any of these PDF's you must have Adobe Acrobat Reader®.
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The Fair Credit Reporting Act permits consumers to request a copy of the files of any nationwide specialty consumer reporting agency once annually. To request a free annual disclosure of your file, please call PT Research toll-free at (866) 737-2714.


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