Source: https://www.law.cornell.edu/uscode/text/15/1681a
Timestamp: 2019-04-23 14:17:05+00:00

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The term “person” means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
any other purpose authorized under section 1681b of this title.
a communication described in subsection (o) or (x).
an aggregate list of identified consumers based on payment transactions for medical products or services.
The term “investigative consumer report” means a consumer report or portion thereof in which information on a consumer’s character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer’s credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
The term “consumer reporting agency” means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
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.
The term “employment purposes” when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee.
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.
The term “overdue support” has the meaning given to such term in section 666(e) of title 42.
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.
adverse to the interests of the consumer.
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.
for the purpose of determining whether to extend credit or insurance pursuant to the offer.
of the information in the consumer’s application for the credit or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability.
disclosed to the consumer in the offer of credit or insurance.
The term “State” means any State, the Commonwealth of Puerto Rico, the District of Columbia, and any territory or possession of the United States.
notifies the consumer who is the subject of the communication, in writing, of the consumer’s right to request the information described in clause (i).
Creditaccount information from persons who furnish that information regularly and in the ordinary course of business.
is assigned to service away from the usual duty station of the consumer.
is presented in a manner that facilitates a clear and conspicuous view of the statement described in subparagraph (A) by any person requesting such consumer report.
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.
the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false.
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.
a debit card issuer, in the case of a debit card.
The term “credit card” has the same meaning as in section 1602 of this title.
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.
The terms “account” and “electronic fund transfer” have the same meanings as in section 1693a of this title.
The terms “credit” and “creditor” have the same meanings as in section 1691a of this title.
The term “Federal banking agency” has the same meaning as in section 1813 of title 12.
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.
does not maintain a database of the assembled or merged information from which new consumer reports are produced.
The term “Commission” means the Bureau.
pursuant to section 1681f of this title.
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.
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).
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.
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).
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].
  So in original. The period probably should be “; and”.

References: § 1088
 § 1100
 § 1088
 § 1088
 § 1088
 § 1088
 § 411
 § 214
 § 611
 § 411
 § 111
 § 611
 § 6
 § 6
 § 6
 § 2402
 § 2402
 § 2402
 § 2402
 § 2402
 § 2402