['Recruiting and hiring']
['Background Checks', 'Fair Credit Reporting Act (FCRA)']
05/17/2022
Copyright 2025 J. J. Keller & Associate, Inc. For re-use options please contact copyright@jjkeller.com or call 800-558-5011.
...
[Editor's Note: Staff Opinion Letters have been included as follows.]
Section 603(d)(1) — Definition of “consumer report” (general)
Section 603(d)(2) — Definition of “consumer report” (exclusions)
Section 603(e) — Definition of “investigative consumer report”
Section 603(f) — Definition of “consumer reporting agency”
Section 603(g) — Definition of “file”
Section 603(h) — Definition of “employment purposes”
Section 603(k) — Definition of "adverse action"
Section 603(m) — Definition of “credit or insurance that is not limited by the consumer”
Section 603(o) — Definition of “consumer report”
Section 604(a) — Permissible purposes for which an CRA may furnish a consumer report
Section 604(a)(2) — Written authorization of consumer
Section 604(a)(3)(A) — Credit transaction
Section 604(a)(3)(B) — Employment purposes
Section 604(a)(3)(C) — Underwriting of insurance
Section 604(a)(3)(D) — Grant of license or benefit by governmental instrumentality
Section 604(a)(3)(F) — Legitimate business need
Section 604(a)(4-5) — Child support purposes
Section 604(b) — Consumer reports for employment purposes
Section 604(b)(1) — User certification requirements; CRA obligation to provide summary of rights
Section 604(b)(2) — Pre-report disclosure to consumer by employer; authorization by consumer
Section 604(b)(3) — Employer pre-adverse action report copy and summary of rights to consumer
Section 604(c)(1)(A) — Reports for non-consumer-initiated credit or insurance transactions
Section 605 — Information contained in consumer reports.
Section 605(a)(1) — Time limits: Bankruptcies
Section 605(a)(4): Section 605(c) — Time limits: Charge-off and collection accounts
Section 605(a)(5) — Time limits: Reporting adverse information (general)
Section 605(a)(5) (repealed 11-02-98) — Time Limits: Records of arrest, indictment, or conviction
Section 605(b) — Time Limits: Exempted cases
Section 606 — Investigate consumer report disclosures
Section 606(a) — Disclosure of preparation of investigative consumer report
Section 606(b) — Disclosure of nature and scope of report
Section 607(a) — Reasonable procedures to comply with §§ 604 and 605
Section 607(b) — Reasonable procedures to assure maximum possible accuracy
Section 607(d) — Notice to users and furnishers
Section 607(e) — Procurement of reports for resale
Section 609 — Disclosures to consumers
Section 609(a)(1) — Information to be disclosed
Section 609(a)(3) — Idenification of recipients
Section 609(c) — Summary of rights to be included with disclosure
Section 610 — Conditions and form of disclosure to consumers
Section 611(a) — Investigation of consumer disputes by CRAs
Section 611(c) — Notice of dispute in subsequent reports
Section 612 — Charges for disclosures
Section 613 — Public record information for employment purposes
Section 615(a) — Required notice of adverse action based on a consumer report
Section 615(b) — Required notice of adverse action based on information from a third party
Section 616-617 — Civil liability
Section 618 — Statute of limitations
Section 621 — Administrative enforcement
Section 623(a)(1) — Duty of furnishers to provide accurate information
Section 623(a)(2) — Duty of furnishers to correct and update information
Section 623(a)(3) — Duty of furnishers to provide notice of dispute
Section 623(b) — Duty of furnishers to investigate consumer disputes
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['Recruiting and hiring']
['Background Checks', 'Fair Credit Reporting Act (FCRA)']
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Copyright 2025 J. J. Keller & Associate, Inc. For re-use options please contact copyright@jjkeller.com or call 800-558-5011.