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

Section 603(b) Section 605


Definition of "person" Information contained in consumer reports

Allison (02-23-98) Section 605(a)(1)


Time limits: Bankruptcies
Section 603(d)(1)
Definition of "consumer report" Anonymous (11-05-99)
(general)
Section 605(a)(4): Section 605(c)
Buchman (03-02-98) Time limits: Charge-off and collection accounts
Schieber (03-03-98)
Goeke (06-09-98) Johnson (08-31-98)
Beaudette (06-09-98) Kosmerl (06-04-99)
Islinger (06-09-98) Amason (02-15-00)
Poquette (06-09-98) Section 605(a)(5)
Lewis (06-11-98) Time limits: Reporting adverse information
Halpern (06-11-98) (general)
Slyter (06-12-98)
Hinkle (07-09-98 ) Seham (04-17-98)
Haner (08-27-98) Goeke (06-09-98)
Leathers (09-09-98) Nadell (12-10-98)
Tabler (10-27-98) Rosen (06-04-99)
Sum (09-15-99) Sum (09-15-99)
Tatelbaum (07-26-00) Holland (12-16-99)

Section 603(d)(2) Section 605(a)(5)(repealed 11-02-98)


Definition of "consumer report" Time Limits: Records of arrest, indictment, or
(exclusions) conviction

Islinger (06-09-98) Rosen (06-09-98)


Hinkle (07-09-98 ) Halpern (06-11-98)
Pickett (07-10-98)
Section 605(b)
Kelley (07-16-98)
Time Limits: Exempted cases
Novak (09-09-98)
Sum (09-15-99)
Section 603(e)
Definition of "investigative consumer Section 606
report" Investigative consumer report disclosures
Hinkle (07-09-98) Allison (02-23-98)
Willner (03-25-99) Beaudette (06-09-98)
Vail (04-05-99)
Meisinger (08-31-99) Pickett (07-10-98)
Fischel (10-01-99)
Section 606(a)
Section 603(f) Disclosure of preparation of investigative
Definition of "consumer reporting consumer report
agency"
Hawkey (12-18-97)
Cast (10-27-97) Brisch (06-11-98)
Goeke (06-09-98) Hauxwell (06-12-98)
LeBlanc (06-09-98) Willner (03-25-99)
Islinger (06-09-98)
Section 606(b)
Copple (06-10-98)
Slyter (06-12-98) Disclosure of nature and scope of report
Lee (06-26-98) Brisch (06-11-98)
Pickett (07-10-98) Hauxwell (06-12-98)
Leathers (09-09-98) Willner (03-25-99)
Throne (11-20-98)
Vail (04-05-99) Section 607(a)
Meisinger (08-31-99) Reasonable procedures to comply with §§ 604
Sum (09-15-99) and 605

Section 603(g) LeBlanc (06-09-98)


Definition of "file" Landever (10-12-99)

Cohan (08-01-00) Section 607(b)


Reasonable procedures to assure maximum
Section 603(h) possible accuracy
Definition of "employment purposes"
Lovern (04-24-98)
Allison (02-23-98) LeBlanc (06-09-98)
Greathouse (10-20-98) Harris (03-22-99)
Solomon (10-27-98) McCorkell (06-03-99)
Watkins (06-24-99)
Section 603(k)
Definition of "adverse action" Section 607(d)
Schieber (03-03-98) Notice to users and furnishers
Greathouse (10-20-98) LeBlanc (06-09-98)
Hall (10-26-98)
Spritz (11-05-98) Section 607(e)
Vail (04-05-99) Procurement of reports for resale
Gowen (04-29-99)
Goeke (06-09-98)
Ball (03-01-00)
LeBlanc (06-09-98)
Stinneford (07-14-00)
Latour (06-28-01) Rosen (06-09-98)
Beaudette (06-09-98)
Section 603(m) Benner (04-30-99)
Definition of "credit or insurance that is
not initiated by the consumer" Section 609
Disclosures to consumers
Gowen (04-29-99)
Beaudette (06-09-98)
Section 603(o)
Lee (06-26-98)
Definition of "consumer report" Cohan (08-01-00)
(exception for employment agencies)
Section 609(a)(1)
Basting (06-11-98) Information to be disclosed
Hahn (07-08-98)
Hahn (07-08-98)
Section 603(p) Darcy (06-30-00)
Definition of "consumer reporting
agency that compiles and maintains files Section 609(a)(3)
on consumers on a nationwide basis" Identification of recipients

Cohan (06-29-99) LeBlanc (06-09-98)


Rosen (06-09-98)
Section 604(a)
Benner (04-30-99)
Permissible purposes for which an CRA Cohan (08-01-00)
may furnish a consumer report
Section 609(c)
Section 604(a)(2) Summary of rights to be included with disclosure
Written authorization of consumer
LeBlanc (06-09-98)
Shibley (06-08-99) Cohan (06-29-99)
Landever (10-12-99)
Zalenski (05-24-01) Section 610
Conditions and form of disclosure to consumers
Section 604(a)(3)(A)
Credit transaction Beaudette (06-09-98)

Coffey (02-11-98) Section 611(a)


Throne (11-20-98) Investigation of consumer disputes by CRAs
Gowen (04-29-99)
Benner (04-30-99) Tabler (10-27-98)
Landever (10-12-99) Cohan (08-01-00)
Long (07-06-00) Section 611(c)
Tatelbaum (07-26-00) Notice of dispute in subsequent reports
Tatelbaum2 (06-22-01)
Section 604(a)(3)(B) Edwards (07-15-98)
Employment purposes
Section 612
Ross (09-02-98) Charges for disclosures
Greathouse (10-20-98)
Lee (06-26-98)
Section 604(a)(3)(C) Cohan (08-01-00)
Underwriting of insurance
Section 613
Buchman (03-02-98) Public record information for employment
Greathouse (10-20-98) purposes
Ball (03-01-00)
Slyter (06-12-98)
Section 604(a)(3)(D) Allan (05-05-99)
Grant of license or benefit by Holland (12-16-99)
governmental instrumentality
Section 615(a)
Greathouse (10-20-98) Required notice of adverse action based on a
consumer report
Section 604(a)(3)(F)
Legitimate business need Weisberg (06-27-97)
Solganik (10-23-97)
Coffey (02-11-98)
Cast (10-27-97)
Buchman (03-02-98) Hawkey (12-18-97)
Kaiser (07-16-98) Allison (02-23-98)
Greenblatt (10-27-98) Schieber (03-03-98)
Gowen (04-29-99) Pickett (07-10-98)
Benner (04-30-99)
Everson (07-28-98)
Shibley (06-08-99) Hall (10-26-98)
Long (07-06-00) Sheffield (11-10-98)
Tatelbaum (07-26-00) Cohan (06-29-99)
Section 604(a)(4-5) Allan (02-14-00)
Child support purposes Ball (03-01-00)
Stinneford (07-14-00)
Baughn (04-30-99) Latour (06-28-01)
Woolford (08-06-99)
Section 615(b)
Section 604(b) Required notice of adverse action based on
Consumer reports for employment information from a third party
purposes
Riddle (03-17-99)
Allison (02-23-98)
Rosen (06-09-98) Section 616-617
Beaudette (06-09-98) Civil liability
Lewis (06-11-98) Greenblatt (10-27-98)
Hauxwell (06-12-98) Long (07-06-00)
Slyter (06-12-98)
Pickett (07-10-98) Section 618
Statute of limitations
Section 604(b)(1)
User certification requirements; CRA Kilgo (07-28-98)
obligation to provide summary of rights Section 621

Hahn (12-23-97) Administrative enforcement


Kilgo (07-28-98) Greenblatt (10-27-98)
Section 604(b)(2) Section 623(a)(1)
Pre-report disclosure to consumer by Duty of furnishers to provide accurate
employer; authorization by consumer information
Steer (10-21-97) Jaffe(07-17-98)
Solganik (10-23-97) Watkins (06-24-99)
Hawkey (12-18-97) Boynton (02-15-00)
Coffey (02-11-98)
Brisch (06-11-98) Section 623(a)(2)
Hauxwell (06-12-98) Duty of furnishers to correct and update
Slyter (06-12-98) information
Kilgo (07-28-98)
Harris (03-22-99)
James (08-05-98)
Boynton (02-15-00)
Leathers (09-09-98)
Willner (03-25-99) Section 623(a)(3)
Fischel (10-01-99) Duty of furnishers to provide notice of dispute
Section 604(b)(3) Harvey (12-23-97)
Employer pre-adverse action report
copy and summary of rights to consumer Section 623(a)(5)
Duty of furnishers to provide date of delinquency
Weisberg (06-27-97) on charge-off, collection or similar accounts
Solganik (10-23-97)
Hawkey (12-18-97) Harvey (12-23-97)
Coffey (02-11-98) Gillespie (03-10-98)
Rosen (06-09-98) Johnson (08-31-98)
Brisch (06-11-98) Kosmerl (06-04-99)
Lewis (06-11-98) Amason (02-15-00)
Hahn (07-08-98)
Section 623(b)
Hinkle (07-09-98)
Duty of furnishers to investigate consumer
Leathers (09-09-98)
Solomon (10-27-98) disputes
Willner (03-25-99)
Vail (04-05-99) Tabler (10-27-98)
Meisinger (08-31-99) Cohan (08-01-00)

Section 604(c)(1)(A) Section 623(c)


Reports for non-consumer-initiated Liability of furnishers
credit or insurance transactions Watkins (06-24-99)
Buchman (03-02-98)