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

15 U.S.C. 1681x FCRA: Corporate and technological circumvention prohibited

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

Added by Pub. L. 108-159 (FACTA), according to the source credit.

The Commission shall prescribe regulations, to become effective not later than 90 days after December 4, 2003, to prevent a consumer reporting agency from circumventing or evading treatment as a consumer reporting agency described in section 1681a(p) of this title for purposes of this subchapter, including⁠—

(1)

by means of a corporate reorganization or restructuring, including a merger, acquisition, dissolution, divestiture, or asset sale of a consumer reporting agency; or

(2)

by maintaining or merging public record and credit account information in a manner that is substantially equivalent to that described in paragraphs (1) and (2) of section 1681a(p) of this title, in the manner described in section 1681a(p) 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, § 629 , as added Pub. L. 108-159, title II, § 211(b) , Dec. 4, 2003 , 117 Stat. 1970 .)

15 U.S.C. 1681x 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.

Official text