Massachusetts General Laws

Mass. Gen. Laws ch. 93, § 54 (2026)

Procedures to be maintained by reporting agency

✓ current as of July 2026

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Section 54. (a) Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section fifty-two and to limit the furnishing of consumer reports to the purposes listed under section fifty-one. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section fifty-one.

(b) Whenever a consumer reporting agency prepares or disseminates a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Notes of Decisions

Cited in 5 cases (3 in the last 5 years), 2001–2025 · leading case: Commonwealth v. Pon, 14 N.E.3d 182 (Mass. 2014).

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Commonwealth v. Pon, 14 N.E.3d 182 (Mass. 2014). “But see G. L. c. 93, § 54 (requiring background check services to update records).”

Richardson v. Fleet Bank of Massachusetts, 190 F. Supp. 2d 81 (D. Mass. 2001). “§ 1681e(b) (“section 1681e(b)”); Mass.Gen.Laws ch. 93, § 54(b). In addition, the plaintiffs allege that Equifax violated the FCRA and MCCRA by failing to make reasonable and timely efforts to re-investigate the accuracy of information *85 that they disputed.”

Brown v. Trans Union LLC (D. Mass. 2025). · cites it 2× “§ 1681e(b), Mass. Gen. Laws ch. 93, § 54 (b), provides that “[w]henever a consumer reporting agency prepares or disseminates a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the…”

Vaiano v. Experian Info. Solutions Inc. (D. Mass. 2025). · cites it 2× “The Court will thus consider whether Vaiano has pled sufficient facts to establish a claim under: (1) M.G.L. c. 93, § 54, which requires consumer reporting agencies to “follow reasonable procedures to assure maximum possible accuracy of the information” when preparing or…”

Sullivan v. Selene Fin., LP (D. Mass. 2021). “, Mass. Gen. L. c. 93 § 54, and the Fair Debt Collection Practices Act (the FDCPA), 15 U.”

— Mass. Gen. Laws ch. 93, § 54(b) — 2 cases

Richardson v. Fleet Bank of Massachusetts, 190 F. Supp. 2d 81 (D. Mass. 2001). “§ 1681e(b) (“section 1681e(b)”); Mass.Gen.Laws ch. 93, § 54(b). In addition, the plaintiffs allege that Equifax violated the FCRA and MCCRA by failing to make reasonable and timely efforts to re-investigate the accuracy of information *85 that they disputed.”

Vaiano v. Experian Info. Solutions Inc. (D. Mass. 2025). “The Court will thus consider whether Vaiano has pled sufficient facts to establish a claim under: (1) M.G.L. c. 93, § 54, which requires consumer reporting agencies to “follow reasonable procedures to assure maximum possible accuracy of the information” when preparing or…”

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