source:
  type: regulation
  id: fcra-15usc-1681e
  authority: FCRA (Fair Credit Reporting Act, 15 U.S.C.) § 1681e — Compliance procedures
  description: 'FCRA (Fair Credit Reporting Act, 15 U.S.C.), §1681e Compliance procedures. Captured section-complete
    from Cornell LII (verbatim).

    '
obligations:
- id: fcra-15usc-1681e-a
  canonical_id: fcra-15usc-1681e-a
  section: 15 U.S.C. §1681e(a)
  description: 'Compliance procedures — (a): (a) Identity and purposes of credit users Every consumer reporting
    agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and
    to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title . These
    procedures shall…'
  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.) § 1681e
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/15/1681e
    snapshot_id: e038ca31f407be22
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:6beae2d90fccb58c8badc2ea5ff6b8503efc4a244f29ce2412df0989ed97abbc
    paragraph_quote: (a) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable
      procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer
      reports to the purposes listed under section 1681b of this title . These procedures shall require that prospective
      users of the information identify themselves, certify the purposes for which the information is sought, and
      certify that the information will be used for no other purpose. Every consumer reporting agency shall make
      a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective
      user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer
      report to any person if it has reasonable grounds for believing that the consumer report will not be used
      for a purpose listed in section 1681b of this title .
    drafter_attestation: Verbatim slice of 15 U.S.C. §1681e subsection (a) from Cornell LII snapshot e038ca31f407be22;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: fcra-15usc-1681e-b
  canonical_id: fcra-15usc-1681e-b
  section: 15 U.S.C. §1681e(b)
  description: 'Compliance procedures — (b): (b) Accuracy of report Whenever a consumer reporting agency prepares
    a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information
    concerning the individual about whom the report relates.'
  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.) § 1681e
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/15/1681e
    snapshot_id: e038ca31f407be22
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:6beae2d90fccb58c8badc2ea5ff6b8503efc4a244f29ce2412df0989ed97abbc
    paragraph_quote: (b) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall
      follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual
      about whom the report relates.
    drafter_attestation: Verbatim slice of 15 U.S.C. §1681e subsection (b) from Cornell LII snapshot e038ca31f407be22;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: fcra-15usc-1681e-c
  canonical_id: fcra-15usc-1681e-c
  section: 15 U.S.C. §1681e(c)
  description: 'Compliance procedures — (c): (c) Disclosure of consumer reports by users allowed A consumer reporting
    agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the
    contents of the report to the consumer, if adverse action against the consumer has been taken by the user based
    in wh…'
  type: dont
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: FCRA (Fair Credit Reporting Act, 15 U.S.C.) § 1681e
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/15/1681e
    snapshot_id: e038ca31f407be22
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:6beae2d90fccb58c8badc2ea5ff6b8503efc4a244f29ce2412df0989ed97abbc
    paragraph_quote: (c) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit
      a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report
      to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part
      on the report.
    drafter_attestation: Verbatim slice of 15 U.S.C. §1681e subsection (c) from Cornell LII snapshot e038ca31f407be22;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: fcra-15usc-1681e-d
  canonical_id: fcra-15usc-1681e-d
  section: 15 U.S.C. §1681e(d)
  description: 'Compliance procedures — (d): (d) Notice to users and furnishers of information (1) Notice requirement
    A consumer reporting agency shall provide to any person— (A) who regularly and in the ordinary course of business
    furnishes information to the agency with respect to any consumer ; or (B) to whom a consumer report is provided
    b…'
  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.) § 1681e
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/15/1681e
    snapshot_id: e038ca31f407be22
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:6beae2d90fccb58c8badc2ea5ff6b8503efc4a244f29ce2412df0989ed97abbc
    paragraph_quote: (d) Notice to users and furnishers of information (1) Notice requirement A consumer reporting
      agency shall provide to any person— (A) who regularly and in the ordinary course of business furnishes information
      to the agency with respect to any consumer ; or (B) to whom a consumer report is provided by the agency; a
      notice of such person ’s responsibilities under this subchapter. (2) Content of notice The Bureau shall prescribe
      the content of notices under paragraph (1), and a consumer reporting agency shall be in compliance with this
      subsection if it provides a notice under paragraph (1) that is substantially similar to the Bureau prescription
      under this paragraph.
    drafter_attestation: Verbatim slice of 15 U.S.C. §1681e subsection (d) from Cornell LII snapshot e038ca31f407be22;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: fcra-15usc-1681e-e
  canonical_id: fcra-15usc-1681e-e
  section: 15 U.S.C. §1681e(e)
  description: 'Compliance procedures — (e): (e) Procurement of consumer report for resale (1) Disclosure A person
    may not procure a consumer report for purposes of reselling the report (or any information in the report) unless
    the person discloses to the consumer reporting agency that originally furnishes the report— (A) the identity
    of the e…'
  type: dont
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: FCRA (Fair Credit Reporting Act, 15 U.S.C.) § 1681e
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/15/1681e
    snapshot_id: e038ca31f407be22
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:6beae2d90fccb58c8badc2ea5ff6b8503efc4a244f29ce2412df0989ed97abbc
    paragraph_quote: (e) Procurement of consumer report for resale (1) Disclosure A person may not procure a consumer
      report for purposes of reselling the report (or any information in the report) unless the person discloses
      to the consumer reporting agency that originally furnishes the report— (A) the identity of the end-user of
      the report (or information); and (B) each permissible purpose under section 1681b of this title for which
      the report is furnished to the end-user of the report (or information). (2) Responsibilities of procurers
      for resale A person who procures a consumer report for purposes of reselling the report (or any information
      in the report) shall— (A) establish and comply with reasonable procedures designed to ensure that the report
      (or information) is resold by the person only for a purpose for which the report may be furnished under section
      1681b of this title , including by requiring that each person to which the report (or information) is resold
      and that resells or provides the report (or information) to any other person—
    drafter_attestation: Verbatim slice of 15 U.S.C. §1681e subsection (e) from Cornell LII snapshot e038ca31f407be22;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: fcra-15usc-1681e-i
  canonical_id: fcra-15usc-1681e-i
  section: 15 U.S.C. §1681e(i)
  description: 'Compliance procedures — (i): (i) identifies each end user of the resold report (or information);
    (ii) certifies each purpose for which the report (or information) will be used; and (iii) certifies that the
    report (or information) will be used for no other purpose; and (B) before reselling the report, make reasonable
    efforts to …'
  type: dont
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: FCRA (Fair Credit Reporting Act, 15 U.S.C.) § 1681e
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/15/1681e
    snapshot_id: e038ca31f407be22
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:6beae2d90fccb58c8badc2ea5ff6b8503efc4a244f29ce2412df0989ed97abbc
    paragraph_quote: (i) identifies each end user of the resold report (or information); (ii) certifies each purpose
      for which the report (or information) will be used; and (iii) certifies that the report (or information) will
      be used for no other purpose; and (B) before reselling the report, make reasonable efforts to verify the identifications
      and certifications made under subparagraph (A). (3) Resale of consumer report to a Federal agency or department
      Notwithstanding paragraph (1) or (2), a person who procures a consumer report for purposes of reselling the
      report (or any information in the report) shall not disclose the identity of the end-user of the report under
      paragraph (1) or (2) if— (A) the end user is an agency or department of the United States Government which
      procures the report from the person for purposes of determining the eligibility of the consumer concerned
      to receive access or continued access to classified information (as defined in section 1681b(b)(4)(E)(i) [1]
      of this title); and (B) the agency or department certifies in writing to the person reselling the report that
      nondisclosure is necessary to protect classified information or the safety of persons employed by or contracting
      with, or undergoing investigation for work or contracting with the agency or department. ( Pub. L. 90–321,
      title VI, § 607 , as added Pub. L. 91–508, title VI, § 601 , Oct. 26, 1970 , 84 Stat. 1130 ; amended Pub.
      L. 104–208, div. A, title II, § 2407 , Sept. 30, 1996 , 110 Stat. 3009–435 ; Pub. L. 105–107, title III, §
      311(b) , Nov. 20, 1997 , 111 Stat. 2256 ; Pub. L. 111–203, title X, § 1088(a)(2)(A) , July 21, 2010 , 124
      Stat. 2087 .) [1] See References in Text note below.
    drafter_attestation: Verbatim slice of 15 U.S.C. §1681e subsection (i) from Cornell LII snapshot e038ca31f407be22;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
