---
title: "15 U.S.C. 1681r FCRA: Unauthorized disclosures by officers or employees"
canonical: "https://dposchool.com/fcra/section/1681r"
source: "https://uscode.house.gov/us/usc/119-136/t15/s1681r/"
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. 1681r FCRA · Chapter 41: CONSUMER CREDIT PROTECTION

# 15 U.S.C. 1681r FCRA: Unauthorized disclosures by officers or employees

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

## Official text

Any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agency’s files to a person not authorized to receive that information shall be fined under title 18, imprisoned for not more than 2 years, or both.

## 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, § 620 , as added Pub. L. 91-508, title VI, § 601 , Oct. 26, 1970 , 84 Stat. 1134 ; amended Pub. L. 104-208, div. A, title II, § 2415(b) , Sept. 30, 1996 , 110 Stat. 3009–450 .)

[15 U.S.C. 1681r on the Office of the Law Revision Counsel](https://uscode.house.gov/us/usc/119-136/t15/s1681r/)

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. 1681r

Previous: [15 U.S.C. 1681q FCRA: Obtaining information under false pretenses](https://dposchool.com/fcra/section/1681q)

Next: [15 U.S.C. 1681s FCRA: Administrative enforcement](https://dposchool.com/fcra/section/1681s)

## 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