FTC Staff Opinion Letters

Below are links to various staff opinion letters concerning the rules and application of the FCRA Fair Credit Reporting Act.

Fair Credit Reporting Act - Staff Opinion Letters (1997-2001)

Section 603(b)
Definition of "person"
Allison (02-23-98)
Section 603(d)(1)
Definition of "consumer report" (general)
Buchman (03-02-98)
Schieber (03-03-98)
Goeke (06-09-98)
Beaudette (06-09-98)
Islinger (06-09-98)
Poquette (06-09-98)
Lewis (06-11-98)
Halpern (06-11-98)
Slyter (06-12-98)
Hinkle (07-09-98 )
Haner (08-27-98)
Leathers (09-09-98)
Tabler (10-27-98)
Sum (09-15-99)
Tatelbaum (07-26-00)  
Section 603(d)(2)
Definition of "consumer report" (exclusions)
Islinger (06-09-98)
Hinkle (07-09-98 )
Pickett (07-10-98)
Kelley (07-16-98)
Novak (09-09-98)  
Section 603(e)
Definition of "investigative consumer report"
Hinkle (07-09-98)
Willner (03-25-99)
Vail (04-05-99)
Meisinger (08-31-99)
Fischel (10-01-99)  
Section 603(f)
Definition of "consumer reporting agency"
Cast (10-27-97)
Goeke (06-09-98)
LeBlanc (06-09-98)
Islinger (06-09-98)
Copple (06-10-98)
Slyter (06-12-98)
Lee (06-26-98)
Pickett (07-10-98)
Leathers (09-09-98)
Throne (11-20-98)
Vail (04-05-99)
Meisinger (08-31-99)
Sum (09-15-99)  
Section 603(g)
Definition of "file"
Cohan (08-01-00)  
Section 603(h)
Definition of "employment purposes"
Allison (02-23-98)
Greathouse (10-20-98)
Solomon (10-27-98)  
Section 603(k)
Definition of "adverse action"
Schieber (03-03-98)
Greathouse (10-20-98)
Hall (10-26-98)
Spritz (11-05-98)
Vail (04-05-99)
Gowen (04-29-99)
Ball (03-01-00)
Stinneford (07-14-00)
Latour (06-28-01)  
Section 603(m)
Definition of "credit or insurance that is not initiated by the consumer"
Gowen (04-29-99)
Section 603(o)
Definition of "consumer report" (exception for employment agencies)
Basting (06-11-98)
Hahn (07-08-98)  
Section 603(p)
Definition of "consumer reporting agency that compiles and maintains files on consumers on a nationwide basis"
Cohan (06-29-99)  
Section 604(a)
Permissible purposes for which an CRA may furnish a consumer report 
Section 604(a)(2)
Written authorization of consumer
Shibley (06-08-99)
Landever (10-12-99)
Zalenski (05-24-01)  
Section 604(a)(3)(A)
Credit transaction
Coffey (02-11-98)
Throne (11-20-98)
Gowen (04-29-99)
Benner (04-30-99)
Landever (10-12-99)
Long (07-06-00)
Tatelbaum (07-26-00)
Tatelbaum2 (06-22-01)  
Section 604(a)(3)(B)
Employment purposes
Ross (09-02-98)
Greathouse (10-20-98)  
Section 604(a)(3)(C)
Underwriting of insurance
Buchman (03-02-98)
Greathouse (10-20-98)
Ball (03-01-00)  
Section 604(a)(3)(D)
Grant of license or benefit by governmental instrumentality
Greathouse (10-20-98)  
Section 604(a)(3)(F)
Legitimate business need
Coffey (02-11-98)
Buchman (03-02-98)
Kaiser (07-16-98)
Greenblatt (10-27-98)
Gowen (04-29-99)
Benner (04-30-99)
Shibley (06-08-99)
Long (07-06-00)
Tatelbaum (07-26-00)
Section 604(a)(4-5)
Child support purposes
Baughn (04-30-99)
Woolford (08-06-99)  
Section 604(b)
Consumer reports for employment purposes
Allison (02-23-98)
Rosen (06-09-98)
Beaudette (06-09-98)
Lewis (06-11-98)
Hauxwell (06-12-98)
Slyter (06-12-98)
Pickett (07-10-98)  
Section 604(b)(1)
User certification requirements; CRA obligation to provide summary of rights
Hahn (12-23-97)
Kilgo (07-28-98)  
Section 604(b)(2)
Pre-report disclosure to consumer by employer; authorization by consumer
Steer (10-21-97)
Solganik (10-23-97)
Hawkey (12-18-97)
Coffey (02-11-98)
Brisch (06-11-98)
Hauxwell (06-12-98)
Slyter (06-12-98)
Kilgo (07-28-98)
James (08-05-98)
Leathers (09-09-98)
Willner (03-25-99)
Fischel (10-01-99)  
Section 604(b)(3)
Employer pre-adverse action report
copy and summary of rights to consumer
Weisberg (06-27-97)
Solganik (10-23-97)
Hawkey (12-18-97)
Coffey (02-11-98)
Rosen (06-09-98)
Brisch (06-11-98)
Lewis (06-11-98)
Hahn (07-08-98)
Hinkle (07-09-98)
Leathers (09-09-98)
Solomon (10-27-98)
Willner (03-25-99)
Vail (04-05-99)
Meisinger (08-31-99)  
Section 604(c)(1)(A)
Reports for non-consumer-initiated credit or insurance transactions
Buchman (03-02-98)
Section 605
Information contained in consumer reports
Section 605(a)(1)
Time limits: Bankruptcies
Anonymous (11-05-99)  
Section 605(a)(4): Section 605(c)
Time limits: Charge-off and collection accounts
Johnson (08-31-98)
Kosmerl (06-04-99)
Amason (02-15-00)  
Section 605(a)(5)
Time limits: Reporting adverse information (general)
Seham (04-17-98)
Goeke (06-09-98)
Nadell (12-10-98)
Rosen (06-04-99) 
Sum (09-15-99)
Holland (12-16-99)  
Section 605(a)(5)(repealed 11-02-98)
Time Limits: Records of arrest, indictment, or conviction
Rosen (06-09-98)
Halpern (06-11-98)  
Section 605(b)
Time Limits: Exempted cases
Sum (09-15-99)  
Section 606
Investigative consumer report disclosures 
Allison (02-23-98)
Beaudette (06-09-98)
Pickett (07-10-98)  
Section 606(a)
Disclosure of preparation of investigative consumer report
Hawkey (12-18-97)
Brisch (06-11-98)
Hauxwell (06-12-98)
Willner (03-25-99)  
Section 606(b)
Disclosure of nature and scope of report
Brisch (06-11-98)
Hauxwell (06-12-98)
Willner (03-25-99)  
Section 607(a)
Reasonable procedures to comply with §§ 604 and 605
LeBlanc (06-09-98)
Landever (10-12-99)  
Section 607(b)
Reasonable procedures to assure maximum possible accuracy
Lovern (04-24-98)
LeBlanc (06-09-98)
Harris (03-22-99)
McCorkell (06-03-99)
Watkins (06-24-99)  
Section 607(d)
Notice to users and furnishers
LeBlanc (06-09-98)  
Section 607(e)
Procurement of reports for resale
Goeke (06-09-98)
LeBlanc (06-09-98)
Rosen (06-09-98)
Beaudette (06-09-98)
Benner (04-30-99)  
Section 609
Disclosures to consumers
Beaudette (06-09-98)
Lee (06-26-98)
Cohan (08-01-00)  
Section 609(a)(1)
Information to be disclosed
Hahn (07-08-98)
Darcy (06-30-00)  
Section 609(a)(3)
Identification of recipients
LeBlanc (06-09-98)
Rosen (06-09-98)
Benner (04-30-99)
Cohan (08-01-00)  
Section 609(c)
Summary of rights to be included with disclosure
LeBlanc (06-09-98)
Cohan (06-29-99)  
Section 610
Conditions and form of disclosure to consumers
Beaudette (06-09-98)  
Section 611(a)
Investigation of consumer disputes by CRAs
Tabler (10-27-98)
Cohan (08-01-00)  
Section 611(c)
Notice of dispute in subsequent reports
Edwards (07-15-98)  
Section 612
Charges for disclosures
Lee (06-26-98)
Cohan (08-01-00)  
Section 613
Public record information for employment purposes
Slyter (06-12-98)
Allan (05-05-99)
Holland (12-16-99)  
Section 615(a)
Required notice of adverse action based on a consumer report
Weisberg (06-27-97)
Solganik (10-23-97)
Cast (10-27-97)
Hawkey (12-18-97)
Allison (02-23-98)
Schieber (03-03-98)
Pickett (07-10-98)
Everson (07-28-98)
Hall (10-26-98)
Sheffield (11-10-98)
Cohan (06-29-99)
Allan (02-14-00)
Ball (03-01-00)
Stinneford (07-14-00)
Latour (06-28-01)  
Section 615(b)
Required notice of adverse action based on information from a third party
Riddle (03-17-99)  
Section 616-617
Civil liability
Greenblatt (10-27-98)
Long (07-06-00)  
Section 618
Statute of limitations
Kilgo (07-28-98)  
Section 621
Administrative enforcement
Greenblatt (10-27-98)  
Section 623(a)(1)
Duty of furnishers to provide accurate information
Jaffe(07-17-98)
Watkins (06-24-99)
Boynton (02-15-00)  
Section 623(a)(2)
Duty of furnishers to correct and update information
Harris (03-22-99)
Boynton (02-15-00)  
Section 623(a)(3)
Duty of furnishers to provide notice of dispute
Harvey (12-23-97)  
Section 623(a)(5)
Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts
Harvey (12-23-97)
Gillespie (03-10-98)
Johnson (08-31-98)
Kosmerl (06-04-99)
Amason (02-15-00)  
Section 623(b)
Duty of furnishers to investigate consumer disputes
Tabler (10-27-98)
Cohan (08-01-00)  
Section 623(c)
Liability of furnishers
Watkins (06-24-99)

 
Last Modified: Wednesday, 31-Oct-2007 11:57:00 EDT

 

 


 

 

 

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