Source: https://law.justia.com/codes/us/2010/title15/chap41/subchapiii/sec1681m/
Timestamp: 2019-04-21 18:05:08+00:00

Document:
Source Credit Pub. L. 90-321, title VI, §615, as added Pub. L. 91-508, title VI, §601, Oct. 26, 1970, 84 Stat. 1133; amended Pub. L. 104-208, div. A, title II, §2411, Sept. 30, 1996, 110 Stat. 3009-443; Pub. L. 108-159, title I, §§114, 154(b), 155, title II, §213(a), title III, §311(a), title VIII, §811(h), Dec. 4, 2003, 117 Stat. 1960, 1967, 1978, 1988, 2012; Pub. L. 111-203, title X, §§1088(a)(2)(C), (7)-(9), 1100F, July 21, 2010, 124 Stat. 2087, 2088, 2112; Pub. L. 111-319, §2(a), Dec. 18, 2010, 124 Stat. 3457.
Whenever credit for personal, family, or household purposes involving a consumer is denied or the charge for such credit is increased either wholly or partly because of information obtained from a person other than a consumer reporting agency bearing upon the consumer's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, the user of such information shall, within a reasonable period of time, upon the consumer's written request for the reasons for such adverse action received within sixty days after learning of such adverse action, disclose the nature of the information to the consumer. The user of such information shall clearly and accurately disclose to the consumer his right to make such written request at the time such adverse action is communicated to the consumer.
(E) the consumer may exercise the right referred to in subparagraph (D) by notifying a notification system established under section 1681b(e) of this title.
(B) be presented in such format and in such type size and manner as to be simple and easy to understand, as established by the Commission, by rule, in consultation with the Federal banking agencies and the National Credit Union Administration.
(D) include the contact information specified by that consumer reporting agency for obtaining such consumer reports (including a toll-free telephone number established by the agency in the case of a consumer reporting agency described in section 1681a(p) of this title).
The Commission and the Board shall jointly prescribe rules.
2010—Subsec. (e)(4). Pub. L. 111–319 added par. (4).
Subsec. (e). Pub. L. 108–159, §811(h), repealed Pub. L. 104–208, §2411(c). See 1996 Amendment note below.
Pub. L. 108–159, §114, added subsec. (e) and struck out former subsec. (e) designation that had been added with no heading or text by Pub. L. 104–208, §2411(c). See note above and 1996 Amendment note below.
Subsec. (f). Pub. L. 108–159, §154(b), added subsec. (f).
Subsec. (g). Pub. L. 108–159, §155, added subsec. (g).
Subsec. (h). Pub. L. 108–159, §311(a), added subsec. (h).
Subsec. (b). Pub. L. 104–208, §2411(e), inserted subsec. heading, designated existing provisions as par. (1) and inserted heading, and added par. (2).
Subsec. (c). Pub. L. 104–208, §2411(d), substituted “this section” for “subsections (a) and (b) of this section”.
Subsec. (d). Pub. L. 104–208, §2411(b), added subsec. (d).
Subsec. (e). Pub. L. 104–208, §2411(c), which added subsec. (e) containing subsec. designation, but no heading or text, was repealed by Pub. L. 108–159, §811(h).

References: §615
 §601
 §2411
 §213
 §311
 §811
 §2
 §811
 §2411
 §114
 §2411
 §154
 §155
 §311
 §2411
 §2411
 §2411
 §2411
 §811