15 U.S.C. §1681c — Requirements relating to information contained in consumer reports
Limits what a CRA may include in a consumer report (obsolete- information bars, paid tax lien windows, medical-information restrictions, veteran medical-debt rules), and imposes credit/ debit card truncation and address-discrepancy notification duties on third parties.
Verbatim regulatory text
Verbatim provisions from 15 U.S.C. §1681c — Requirements relating to information contained in consumer reports — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.
15 U.S.C. §1681c(a) — Information excluded from consumer reports
(a) Information excluded from consumer reports Except as authorized under subsection (b), no consumer reporting agency may make any consumer report containing any of the following items of information:
15 U.S.C. §1681c(g)(1) — Truncation of credit/debit card numbers on receipts
Except as otherwise provided in this subsection, no person that accepts credit cards or debit cards for the transaction of business shall print more than the last 5 digits of the card number or the expiration date upon any receipt provided to the cardholder at the point of the sale or transaction.
15 U.S.C. §1681c(h)(2) — User policies for address discrepancies
(B) Policies and procedures to be included The regulations prescribed under subparagraph (A) shall describe reasonable policies and procedures for use by a user of a consumer report —
15 U.S.C. §1681c(a) — Information excluded from consumer reports — enumerated items (chapeau recall fix)
(1) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. (2) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. (3) Paid tax liens which, from date of payment, antedate the report by more than seven years. (4) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. (5) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. (6) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless— (A) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer ; or (B) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance. (7) With respect to a consumer reporting agency described in section 1681a(p) of this title , any information related to a veteran’ s medical debt if the date on which the hospital care, medical services, or extended care services was rendered relating to the debt antedates the report by less than 1 year if the consumer reporting agency has actual knowledge that the information is related to a veteran’ s medical debt and the consumer reporting agency is in compliance with its obligation under section 302(c)(5) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.
15 U.S.C. §1681c(h)(2) — User policies for address discrepancies — enumerated items (chapeau recall fix)
(i) to form a reasonable belief that the user knows the identity of the person to whom the consumer report pertains; and (ii) if the user establishes a continuing relationship with the consumer , and the user regularly and in the ordinary course of business furnishes information to the consumer reporting agency from which the notice of discrepancy pertaining to the consumer was obtained, to reconcile the address of the consumer with the consumer reporting agency by furnishing such address to such consumer reporting agency as part of information regularly furnished by the user for the period in which the relationship is established. ( Pub. L. 90–321, title VI, § 605 , as added Pub. L. 91–508, title VI, § 601 , Oct. 26, 1970 , 84 Stat. 1129 ; amended Pub. L. 95–598, title III, § 312(b) , Nov. 6, 1978 , 92 Stat. 2676 ; Pub. L. 104–208, div. A, title II, § 2406(a) –(e)(1), Sept. 30, 1996 , 110 Stat. 3009–434 , 3009–435; Pub. L. 105–347, § 5 , Nov. 2, 1998 , 112 Stat. 3211 ; Pub. L. 108–159, title I, § 113 , title II, § 212(d), title III, § 315, title IV, § 412(b), (c), title VIII, § 811(c)(1), (2)(A), Dec. 4, 2003 , 117 Stat. 1959 , 1977, 1996, 2002, 2011; Pub. L. 111–203, title X, § 1088(a)(2)(D) , (5), July 21, 2010 , 124 Stat. 2087 ; Pub. L. 115–174, title III, § 302(b)(2) , May 24, 2018 , 132 Stat. 1333 .) [1] So in original. Probably should be “which”. [2] So in original. Editorial Notes References in Text The Bankruptcy Act , referred to in subsec. (a)(1), was act July 1, 1898, ch. 541, 30 Stat. 544 , which was classified to section 1 et seq. of former Title 11, Bankruptcy, prior to its repeal by Pub. L. 95–598 , Nov. 6, 1978 , 92 Stat. 2549 , section 101 of which enacted revised Title