Regulations

Fair Credit Reporting Act

Financial and Securities Regulation

Citation Formats

General Reference

Law Atlas. "Fair Credit Reporting Act." Accessed September 8, 2026. https://law.interactiveatlas.org/regulations/fair-credit-reporting-act.

APA Style

Law Atlas. (n.d.). Fair Credit Reporting Act. Retrieved September 8, 2026, from https://law.interactiveatlas.org/regulations/fair-credit-reporting-act

BibTeX

@misc{lawatlas-fair-credit-reporting-act,
  author = {Law Atlas},
  title = {Fair Credit Reporting Act},
  year = {2026},
  url = {https://law.interactiveatlas.org/regulations/fair-credit-reporting-act},
  note = {Accessed September 8, 2026}
}

The Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information.

Facts

Erathe subject's own account

Originally passed in 1970 (Pub. L. 91-508, 91st Congress); effective October 26, 1970, signed by President Richard Nixon. 1

Promulgated Bythe subject's own account

United States Congress, 91st Congress, signed by President Richard Nixon. 1

Jurisdiction Scopethe subject's own account

United States, federal law applicable nationwide to consumer reporting agencies and users of consumer report information. 1

Regulatory Domainthe subject's own account

Consumer credit reporting and financial privacy. 1

Cross-Tradition Connections

In Legal System

Law of the United States

United States federal statute, within the common law tradition.

Source Major Legal Systems in the World TodayRene David and John E.C. Brierley

Sources

1. Fair Credit Reporting Act (Wikipedia)

WikipediaLead paragraph (entity-description)

Quote, Lead paragraph (entity-description)

The Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information.

View the Source

1. Fair Credit Reporting Act (Wikipedia)

WikipediaLead paragraph and infobox (era)

Quote, Lead paragraph and infobox (era)