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)