15 U.S.C. 1681l FCRA · Chapter 41: CONSUMER CREDIT PROTECTION
15 U.S.C. 1681l FCRA: Restrictions on investigative consumer reports
United States Code, current through Public Law 119-136 (October 22, 2026). Retrieved 30 October 2026.
Official text
Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report (other than information which is a matter of public record) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished.
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, § 614 , as added Pub. L. 91-508, title VI, § 601 , Oct. 26, 1970 , 84 Stat. 1133 .)
15 U.S.C. 1681l 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.