Source: http://uscode.house.gov/view.xhtml?req=(title:15%20section:1681a%20edition:prelim)
Timestamp: 2019-04-20 06:17:46+00:00

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(g) The term "file", when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored.
(2) does not include the age or gender of a consumer, demographic information about the consumer, including a consumer's residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy.
(1) Overdue support.-The term "overdue support" has the meaning given to such term in section 666(e) of title 42.
(2) State or local child support enforcement agency.-The term "State or local child support enforcement agency" means a State or local agency which administers a State or local program for establishing and enforcing child support obligations.
(2) Applicable findings, decisions, commentary, and orders.-For purposes of any determination of whether an action is an adverse action under paragraph (1)(A), all appropriate final findings, decisions, commentary, and orders issued under section 1691(d)(6) of this title by the Bureau or any court shall apply.
(n) State.-The term "State" means any State, the Commonwealth of Puerto Rico, the District of Columbia, and any territory or possession of the United States.
(3) Identity theft.-The term "identity theft" means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.
(5) New credit plan.-The term "new credit plan" means a new account under an open end credit plan (as defined in section 1602(i) 1 of this title) or a new credit transaction not under an open end credit plan.
(2) Credit card.-The term "credit card" has the same meaning as in section 1602 of this title.
(3) Debit card.-The term "debit card" means any card issued by a financial institution to a consumer for use in initiating an electronic fund transfer from the account of the consumer at such financial institution, for the purpose of transferring money between accounts or obtaining money, property, labor, or services.
(4) Account and electronic fund transfer.-The terms "account" and "electronic fund transfer" have the same meanings as in section 1693a of this title.
(5) Credit and creditor.-The terms "credit" and "creditor" have the same meanings as in section 1691a of this title.
(s) Federal Banking Agency.-The term "Federal banking agency" has the same meaning as in section 1813 of title 12.
(t) Financial Institution.-The term "financial institution" means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account (as defined in section 461(b) of title 12) belonging to a consumer.
(w) The term "Bureau" means the Bureau of Consumer Financial Protection.
(2) Subsequent disclosure.-After taking any adverse action based in whole or in part on a communication described in paragraph (1), the employer shall disclose to the consumer a summary containing the nature and substance of the communication upon which the adverse action is based, except that the sources of information acquired solely for use in preparing what would be but for subsection (d)(2)(D) an investigative consumer report need not be disclosed.
(3) Self-regulatory organization defined.-For purposes of this subsection, the term "self-regulatory organization" includes any self-regulatory organization (as defined in section 78c(a)(26) of this title), any entity established under title I of the Sarbanes-Oxley Act of 2002 [15 U.S.C. 7211 et seq.], any board of trade designated by the Commodity Futures Trading Commission, and any futures association registered with such Commission.
(z) Veteran.-The term "veteran" has the meaning given the term in section 101 of title 38.
(2) includes medical collection debt that the Department of Veterans Affairs has wrongfully charged a veteran.
Subsection (x) of this section, referred to in subsec. (d)(2)(D), was redesignated subsection (y) of this section by Pub. L. 111–203, title X, §1088(a)(1), July 21, 2010, 124 Stat. 2086 .
Section 1602(i) of this title, referred to in subsec. (q)(5), was redesignated section 1602(j) of this title by Pub. L. 111–203, title X, §1100A(1)(A), July 21, 2010, 124 Stat. 2107 .
The Sarbanes-Oxley Act of 2002, referred to in subsec. (y)(3), is Pub. L. 107–204, July 30, 2002, 116 Stat. 745 . Title I of the Act is classified principally to subchapter I (§7211 et seq.) of chapter 98 of this title. For complete classification of this Act to the Code, see Short Title note set out under section 7201 of this title and Tables.
2018-Subsecs. (z), (aa). Pub. L. 115–174 added subsecs. (z) and (aa).
2010-Subsec. (k)(2). Pub. L. 111–203, §1088(a)(3), substituted "Bureau" for "Board of Governors of the Federal Reserve System".
Subsec. (q)(3), (4). Pub. L. 111–203, §1088(a)(2)(C), substituted "the Bureau" for "the Commission" wherever appearing.
Subsec. (v). Pub. L. 111–203, §1088(a)(2)(A), substituted "Bureau" for "Federal Trade Commission".
Subsecs. (w) to (y). Pub. L. 111–203, §1088(a)(1), added subsec. (w) and redesignated former subsecs. (w) and (x) as (x) and (y), respectively.
2003-Subsec. (d)(2). Pub. L. 108–159, §411(b)(1), substituted "Except as provided in paragraph (3), the term" for "The term" in introductory provisions.
Subsec. (d)(2)(A). Pub. L. 108–159, §214(c)(1), inserted "subject to section 1681s–3 of this title," after "(A)" in introductory provisions.
Subsec. (d)(2)(D). Pub. L. 108–159, §611(b), inserted "or (x)" after "subsection (o)".
Subsec. (d)(3). Pub. L. 108–159, §411(b)(2), added par. (3).
Subsec. (i). Pub. L. 108–159, §411(c), inserted heading and amended text of subsec. (i) generally. Prior to amendment, text read as follows: "The term 'medical information' means information or records obtained, with the consent of the individual to whom it relates, from licensed physicians or medical practitioners, hospitals, clinics, or other medical or medically related facilities."
Subsecs. (q) to (w). Pub. L. 108–159, §111, added subsecs. (q) to (w).
Subsec. (x). Pub. L. 108–159, §611(a), added subsec. (x).
1998-Subsec. (d)(2)(A)(iii). Pub. L. 105–347, §6(1), struck out "any" before "communication of other".
Subsec. (o)(1). Pub. L. 105–347, §6(2), substituted "(d)(2)(D)" for "(d)(2)(E)".
Subsec. (o)(4). Pub. L. 105–347, §6(3), substituted "and" for "or" at end.
1996-Subsec. (d). Pub. L. 104–208, §2402(e), inserted subsec. heading, designated existing provisions as par. (1) and inserted heading, redesignated cls. (1) to (3) as subpars. (A) to (C), respectively, added par. (2), and struck out at end "The term does not include (A) any report containing information solely as to transactions or experiences between the consumer and the person making the report; (B) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device; or (C) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made and such person makes the disclosures to the consumer required under section 1681m of this title."
Subsec. (k). Pub. L. 104–208, §2402(a), added subsec. (k).
Subsec. (l). Pub. L. 104–208, §2402(b), added subsec. (l).
Subsec. (m). Pub. L. 104–208, §2402(c), added subsec. (m).
Subsec. (n). Pub. L. 104–208, §2402(d), added subsec. (n).
Subsec. (o). Pub. L. 104–208, §2402(f), added subsec. (o).
Subsec. (p). Pub. L. 104–208, §2402(g), added subsec. (p).
1992-Subsec. (j). Pub. L. 102–537 added subsec. (j).
Pub. L. 115–174, title III, §302(e), May 24, 2018, 132 Stat. 1335 , provided that: "The amendments made by this section [amending this section and sections 1681c, 1681c–1, 1681i, and 1681t of this title and enacting provisions set out as a note under section 1681c of this title] shall take effect on the date that is 1 year after the date of enactment of this Act [May 24, 2018]."
"(2) the date specified in the regulations referred to in paragraph (1)."
Pub. L. 105–347, §7, Nov. 2, 1998, 112 Stat. 3211 , provided that: "The amendments made by this Act [amending this section and sections 1681b, 1681c, 1681g, 1681i, 1681k, and 1681s of this title] shall be deemed to have the same effective date [see section 2420 of Pub. L. 104–208, set out as a note below] as the amendments made by section 2403 of the Consumer Credit Reporting Reform Act of 1996 (Public Law 104–208; 110 Stat. 3009–1257 [3009–430]) [amending section 1681b of this title]."
"(a) In General.-Except as otherwise specifically provided in this chapter [chapter 1 (§§2401–2422) of subtitle D of title II of div. A of Pub. L. 104–208, see Short Title of 1996 Amendment note set out under section 1601 of this title], the amendments made by this chapter shall become effective 365 days after the date of enactment of this Act [Sept. 30, 1996].
"(b) Early Compliance.-Any person or other entity that is subject to the requirements of this chapter may, at its option, comply with any provision of this chapter before the date on which that provision becomes effective under this chapter, in which case, each of the corresponding provisions of this chapter shall be fully applicable to such person or entity."
Pub. L. 102–537, §2(d), Oct. 27, 1992, 106 Stat. 3532 , provided that: "The amendments made by this section [enacting section 1681s–1 of this title and amending this section] shall take effect on January 1, 1993."
Pub. L. 104–208, div. A, title II, §2421, Sept. 30, 1996, 110 Stat. 3009–454 , provided that: "Nothing in this chapter [chapter 1 (§§2401–2422) of subtitle D of title II of div. A of Pub. L. 104–208, see Short Title of 1996 Amendment note set out under section 1601 of this title] or the amendments made by this chapter shall be considered to supersede or otherwise affect section 2721 of title 18, United States Code, with respect to motor vehicle records for surveys, marketing, or solicitations."

References: §1088
 §1100
 §1088
 §1088
 §1088
 §1088
 §411
 §214
 §611
 §411
 §411
 §111
 §611
 §6
 §6
 §6
 §2402
 §2402
 §2402
 §2402
 §2402
 §2402
 §2402
 §302
 §7
 §2
 §2421