source:
  type: regulation
  id: fcra-15usc-1681o
  authority: FCRA (Fair Credit Reporting Act, 15 U.S.C.) § 1681o — Civil liability for negligent noncompliance
  description: 'FCRA (Fair Credit Reporting Act, 15 U.S.C.), §1681o Civil liability for negligent noncompliance.
    Captured section-complete from Cornell LII (verbatim).

    '
obligations:
- id: fcra-15usc-1681o-a
  canonical_id: fcra-15usc-1681o-a
  section: 15 U.S.C. §1681o(a)
  description: 'Civil liability for negligent noncompliance — (a): (a) In general Any person who is negligent in
    failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable
    to that consumer in an amount equal to the sum of— (1) any actual damages sustained by the consumer as a result
    of the failure; and (2) in the cas…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: FCRA (Fair Credit Reporting Act, 15 U.S.C.) § 1681o
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/15/1681o
    snapshot_id: 07af7a808da86073
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:14d806cf2f4c5bf549bafd0cffab9679ce7b21c29cb9608217effc0d928522e3
    paragraph_quote: (a) In general Any person who is negligent in failing to comply with any requirement imposed
      under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum
      of— (1) any actual damages sustained by the consumer as a result of the failure; and (2) in the case of any
      successful action to enforce any liability under this section, the costs of the action together with reasonable
      attorney’s fees as determined by the court.
    drafter_attestation: Verbatim slice of 15 U.S.C. §1681o subsection (a) from Cornell LII snapshot 07af7a808da86073;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: fcra-15usc-1681o-b
  canonical_id: fcra-15usc-1681o-b
  section: 15 U.S.C. §1681o(b)
  description: 'Civil liability for negligent noncompliance — (b): (b) Attorney’s fees On a finding by the court
    that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section
    was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorney’s
    fees reasonable in relation to the …'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: FCRA (Fair Credit Reporting Act, 15 U.S.C.) § 1681o
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/15/1681o
    snapshot_id: 07af7a808da86073
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:14d806cf2f4c5bf549bafd0cffab9679ce7b21c29cb9608217effc0d928522e3
    paragraph_quote: (b) Attorney’s fees On a finding by the court that an unsuccessful pleading, motion, or other
      paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment,
      the court shall award to the prevailing party attorney’s fees reasonable in relation to the work expended
      in responding to the pleading, motion, or other paper. ( Pub. L. 90–321, title VI, § 617 , as added Pub. L.
      91–508, title VI, § 601 , Oct. 26, 1970 , 84 Stat. 1134 ; amended Pub. L. 104–208, div. A, title II, § 2412(d)
      , (e)(2), Sept. 30, 1996 , 110 Stat. 3009–446 , 3009–447; Pub. L. 108–159, title VIII, § 811(e) , Dec. 4,
      2003 , 117 Stat. 2012 .)
    drafter_attestation: Verbatim slice of 15 U.S.C. §1681o subsection (b) from Cornell LII snapshot 07af7a808da86073;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
