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15 U.S.C. 1681k FCRA · Chapter 41: CONSUMER CREDIT PROTECTION

15 U.S.C. 1681k FCRA: Public record information for employment purposes

United States Code, current through Public Law 119-136 (October 22, 2026). Retrieved 30 October 2026.

Official text

In general
A consumer reporting agency which furnishes a consumer report for employment purposes and which for that purpose compiles and reports items of information on consumers which are matters of public record and are likely to have an adverse effect upon a consumer’s ability to obtain employment shall⁠—
at the time such public record information is reported to the user of such consumer report, notify the consumer of the fact that public record information is being reported by the consumer reporting agency, together with the name and address of the person to whom such information is being reported; or
maintain strict procedures designed to insure that whenever public record information which is likely to have an adverse effect on a consumer’s ability to obtain employment is reported it is complete and up to date. For purposes of this paragraph, items of public record relating to arrests, indictments, convictions, suits, tax liens, and outstanding judgments shall be considered up to date if the current public record status of the item at the time of the report is reported.
Exemption for national security investigations
Subsection (a) does not apply in the case of an agency or department of the United States Government that seeks to obtain and use a consumer report for employment purposes, if the head of the agency or department makes a written finding as prescribed under section 1681b(b)(4)(A) of this title.

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.

Source credit: ( Pub. L. 90-321, title VI, § 613 , as added Pub. L. 91-508, title VI, § 601 , Oct. 26, 1970 , 84 Stat. 1133 ; amended Pub. L. 105-347, § 4(b) , Nov. 2, 1998 , 112 Stat. 3210 .)

15 U.S.C. 1681k on the Office of the Law Revision Counsel

United States Code, current through Public Law 119-136 (October 22, 2026). Retrieved 30 October 2026.

This is reference material, not legal advice.