Source: https://law.justia.com/codes/us/2016/title-15/chapter-41/subchapter-iii/sec.-1681j/
Timestamp: 2020-02-27 12:23:08
Document Index: 728489708

Matched Legal Cases: ['§ 1681', '§1681', '§612', '§601', '§2410', '§211', '§205', '§1088', '§1088', '§1088', '§211', '§205', '§211', '§1088']

15 U.S.C. 1681j (2016) - Charges for certain disclosures :: 2016 US Code :: US Codes and Statutes :: US Law :: Justia
Justia › US Law › US Codes and Statutes › US Code › 2016 US Code › Title 15 - Commerce and Trade › Chapter 41 - Consumer Credit Protection › Subchapter III - Credit Reporting Agencies › Sec. 1681j - Charges for certain disclosures
Sec. 1681j - Charges for certain disclosures
Citation 15 U.S.C. § 1681j (2016)
Section Name §1681j. Charges for certain disclosures
Section Text (a) Free annual disclosure (1) Nationwide consumer reporting agencies (A) In general
(C) Nationwide specialty consumer reporting agency (i) In general
The regulations of the Bureau under this subparagraph shall establish an effective date by which each nationwide specialty consumer reporting agency (as defined in section 1681a(w) 1 of this title) shall be required to comply with subsection (a), which effective date—
Upon the request of the consumer, a consumer reporting agency shall make all disclosures pursuant to section 1681g of this title once during any 12-month period without charge to that consumer if the consumer certifies in writing that the consumer—
(f) Reasonable charges allowed for certain disclosures (1) In general
In the case of a request from a consumer other than a request that is covered by any of subsections (a) through (d), a consumer reporting agency may impose a reasonable charge on a consumer—
(g) Prevention of deceptive marketing of credit reports (1) In general
(Pub. L. 90–321, title VI, §612, as added Pub. L. 91–508, title VI, §601, Oct. 26, 1970, 84 Stat. 1132; amended Pub. L. 104–208, div. A, title II, §2410, Sept. 30, 1996, 110 Stat. 3009–442; Pub. L. 108–159, title II, §211(a), Dec. 4, 2003, 117 Stat. 1968; Pub. L. 111–24, title II, §205(a), May 22, 2009, 123 Stat. 1747; Pub. L. 111–203, title X, §1088(a)(2)(A), (C), July 21, 2010, 124 Stat. 2087.)
Section 1681a(w) of this title, referred to in subsec. (a)(1)(A), (C)(i), (iv), was redesignated section 1681a(x) of this title by Pub. L. 111–203, title X, §1088(a)(1), July 21, 2010, 124 Stat. 2086.
2010—Subsec. (a)(1)(C). Pub. L. 111–203, §1088(a)(2)(C), substituted "the Bureau" for "the Commission" wherever appearing.
2003—Subsec. (a). Pub. L. 108–159, §211(a)(2), added subsec. (a). Former subsec. (a) redesignated (f).
1996—Pub. L. 104–208 amended section generally. Prior to amendment, section read as follows: "A consumer reporting agency shall make all disclosures pursuant to section 1681g of this title and furnish all consumer reports pursuant to section 1681i(d) of this title without charge to the consumer if, within thirty days after receipt by such consumer of a notification pursuant to section 1681m of this title or notification from a debt collection agency affiliated with such consumer reporting agency stating that the consumer's credit rating may be or has been adversely affected, the consumer makes a request under section 1681g or 1681i(d) of this title. Otherwise, the consumer reporting agency may impose a reasonable charge on the consumer for making disclosure to such consumer pursuant to section 1681g of this title, the charge for which shall be indicated to the consumer prior to making disclosure; and for furnishing notifications, statements, summaries, or codifications to person designated by the consumer pursuant to section 1681i(d) of this title, the charge for which shall be indicated to the consumer prior to furnishing such information and shall not exceed the charge that the consumer reporting agency would impose on each designated recipient for a consumer report except that no charge may be made for notifying such persons of the deletion of information which is found to be inaccurate or which can no longer be verified."
Pub. L. 111–24, title II, §205(b), May 22, 2009, 123 Stat. 1747, provided that:
"(1) In general.—Not later than 9 months after the date of enactment of this Act [May 22, 2009], the Federal Trade Commission shall issue a final rule to carry out this section.
"(2) Content.—The rule required by this subsection—
"(3) Interim disclosures.—If an advertisement subject to section 612(g) of the Fair Credit Reporting Act [15 U.S.C. 1681j(g)], as added by this section, is made public after the 9-month deadline specified in paragraph (1), but before the rule required by paragraph (1) is finalized, such advertisement shall include the disclosure: 'Free credit reports are available under Federal law at: "AnnualCreditReport.com".' "
Pub. L. 108–159, title II, §211(d), Dec. 4, 2003, 117 Stat. 1972, as amended by Pub. L. 111–203, §1088(b)(2), July 21, 2010, 124 Stat. 2092, provided that:
"(1) In general.—The Bureau [probably means the Bureau of Consumer Financial Protection] shall prescribe regulations applicable to consumer reporting agencies described in section 603(p) of the Fair Credit Reporting Act [15 U.S.C. 1681a(p)], to require the establishment of—
"(2) Considerations.—In prescribing regulations under paragraph (1), the Bureau shall consider—
"(3) Centralized source.—The centralized source for a request for a consumer report from a consumer required by this subsection shall provide for—
"(4) Transition.—The regulations of the Bureau under paragraph (1) shall provide for an orderly transition by consumer reporting agencies described in section 603(p) of the Fair Credit Reporting Act [15 U.S.C. 1681a(p)] to the centralized source for consumer report distribution required by section 612(a)(1)(B) [15 U.S.C. 1681j(a)(1)(B)], as amended by this section, in a manner that—
"(5) Timing.—Regulations required by this subsection shall—
"(6) Scope of regulations.—
"(A) In general.—The Bureau shall, by rule, determine whether to require a consumer reporting agency that compiles and maintains files on consumers on substantially a nationwide basis, other than one described in section 603(p) of the Fair Credit Reporting Act [15 U.S.C. 1681a(p)], to make free consumer reports available upon consumer request, and if so, whether such consumer reporting agencies should make such free reports available through the centralized source described in paragraph (1)(A).
"(B) Considerations.—Before making any determination under subparagraph (A), the Bureau shall consider—
Contains section 1681j
110 Stat. 3009-442
117 Stat. 1968, 1972
123 Stat. 1747
124 Stat. 2087, 2086, 2092
Public Law References Public Law 90-321, Public Law 91-508, Public Law 104-208, Public Law 108-159, Public Law 111-24, Public Law 111-203