---
title: "15 U.S.C. 1681l FCRA: Restrictions on investigative consumer reports"
canonical: "https://dposchool.com/fcra/section/1681l"
source: "https://uscode.house.gov/us/usc/119-136/t15/s1681l/"
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"
---

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

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](https://uscode.house.gov/us/usc/119-136/t15/s1681l/)

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

This is reference material, not legal advice.

## Navigation

[FCRA Navigator](https://dposchool.com/fcra) / 15 U.S.C. 1681l

Previous: [15 U.S.C. 1681k FCRA: Public record information for employment purposes](https://dposchool.com/fcra/section/1681k)

Next: [15 U.S.C. 1681m FCRA: Requirements on users of consumer reports](https://dposchool.com/fcra/section/1681m)

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