---
title: "FCRA full text"
canonical: "https://dposchool.com/fcra"
source: "https://uscode.house.gov/us/usc/119-136/t15/s1681/"
source_note: "Source: United States Code, title 15, published by the Office of the Law Revision Counsel of the U.S. House of Representatives (uscode.house.gov), release point 119-136. The editorial and statutory notes are not reproduced."
text_as_of: "2026-10-22"
language: "en"
publisher: "DPO School"
---

# FCRA Navigator

The full text of Fair Credit Reporting Act (15 U.S.C. 1681 to 1681x), as amended, including by the Fair and Accurate Credit Transactions Act of 2003: 31 sections, one page each.

United States Code, current through Public Law 119-136 (October 22, 2026). Retrieved 30 October 2026. [Official source](https://uscode.house.gov/us/usc/119-136/t15/s1681/)

## Contents

### Chapter 41: CONSUMER CREDIT PROTECTION

- [15 U.S.C. 1681 Congressional findings and statement of purpose](https://dposchool.com/fcra/section/1681)
- [15 U.S.C. 1681a Definitions; rules of construction](https://dposchool.com/fcra/section/1681a)
- [15 U.S.C. 1681b Permissible purposes of consumer reports](https://dposchool.com/fcra/section/1681b)
- [15 U.S.C. 1681c Requirements relating to information contained in consumer reports](https://dposchool.com/fcra/section/1681c)
- [15 U.S.C. 1681c–1 Identity theft prevention; fraud alerts and active duty alerts](https://dposchool.com/fcra/section/1681c-1)
- [15 U.S.C. 1681c–2 Block of information resulting from identity theft](https://dposchool.com/fcra/section/1681c-2)
- [15 U.S.C. 1681c–3 Adverse information in cases of trafficking](https://dposchool.com/fcra/section/1681c-3)
- [15 U.S.C. 1681d Disclosure of investigative consumer reports](https://dposchool.com/fcra/section/1681d)
- [15 U.S.C. 1681e Compliance procedures](https://dposchool.com/fcra/section/1681e)
- [15 U.S.C. 1681f Disclosures to governmental agencies](https://dposchool.com/fcra/section/1681f)
- [15 U.S.C. 1681g Disclosures to consumers](https://dposchool.com/fcra/section/1681g)
- [15 U.S.C. 1681h Conditions and form of disclosure to consumers](https://dposchool.com/fcra/section/1681h)
- [15 U.S.C. 1681i Procedure in case of disputed accuracy](https://dposchool.com/fcra/section/1681i)
- [15 U.S.C. 1681j Charges for certain disclosures](https://dposchool.com/fcra/section/1681j)
- [15 U.S.C. 1681k Public record information for employment purposes](https://dposchool.com/fcra/section/1681k)
- [15 U.S.C. 1681l Restrictions on investigative consumer reports](https://dposchool.com/fcra/section/1681l)
- [15 U.S.C. 1681m Requirements on users of consumer reports](https://dposchool.com/fcra/section/1681m)
- [15 U.S.C. 1681n Civil liability for willful noncompliance](https://dposchool.com/fcra/section/1681n)
- [15 U.S.C. 1681o Civil liability for negligent noncompliance](https://dposchool.com/fcra/section/1681o)
- [15 U.S.C. 1681p Jurisdiction of courts; limitation of actions](https://dposchool.com/fcra/section/1681p)
- [15 U.S.C. 1681q Obtaining information under false pretenses](https://dposchool.com/fcra/section/1681q)
- [15 U.S.C. 1681r Unauthorized disclosures by officers or employees](https://dposchool.com/fcra/section/1681r)
- [15 U.S.C. 1681s Administrative enforcement](https://dposchool.com/fcra/section/1681s)
- [15 U.S.C. 1681s–1 Information on overdue child support obligations](https://dposchool.com/fcra/section/1681s-1)
- [15 U.S.C. 1681s–2 Responsibilities of furnishers of information to consumer reporting agencies](https://dposchool.com/fcra/section/1681s-2)
- [15 U.S.C. 1681s–3 Affiliate sharing](https://dposchool.com/fcra/section/1681s-3)
- [15 U.S.C. 1681t Relation to State laws](https://dposchool.com/fcra/section/1681t)
- [15 U.S.C. 1681u Disclosures to FBI for counterintelligence purposes](https://dposchool.com/fcra/section/1681u)
- [15 U.S.C. 1681v Disclosures to governmental agencies for counterterrorism purposes](https://dposchool.com/fcra/section/1681v)
- [15 U.S.C. 1681w Disposal of records](https://dposchool.com/fcra/section/1681w)
- [15 U.S.C. 1681x Corporate and technological circumvention prohibited](https://dposchool.com/fcra/section/1681x)

This is reference material, not legal advice.

## For AI agents

- Machine-readable index: https://dposchool.com/fcra/llms.txt
- JSON API: https://dposchool.com/fcra/api/v1/index.json
- Vendor privacy and security facts: https://vendor.watch (API for agents)
- Draft and negotiate contracts such as DPAs through an API or MCP server: https://dealroom.todo.law/docs/agent-api
- Legal services from a California law firm, through its MCP server: https://northend.law/agents