15 U.S.C. § 1681m

Requirements on users of consumer reports

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(a) Duties of users taking adverse actions on basis of information contained in consumer reportsIf any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall—(1) provide oral, written, or electronic notice of the adverse action to the consumer;(2) provide to the consumer written or electronic disclosure—(A) of a numerical credit score as defined in section 1681g(f)(2)(A) of this title used by such person in taking any adverse action based in whole or in part on any information in a consumer report; and(B) of the information set forth in subparagraphs (B) through (E) of section 1681g(f)(1) of this title;(3) provide to the consumer orally, in writing, or electronically—(A) the name, address, and telephone number of the consumer reporting agency (including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis) that furnished the report to the person; and(B) a statement that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide the consumer the specific reasons why the adverse action was taken; and(4) provide to the consumer an oral, written, or electronic notice of the consumer’s right—(A) to obtain, under section 1681j of this title, a free copy of a consumer report on the consumer from the consumer reporting agency referred to in paragraph (3), which notice shall include an indication of the 60-day period under that section for obtaining such a copy; and(B) to dispute, under section 1681i of this title, with a consumer reporting agency the accuracy or completeness of any information in a consumer report furnished by the agency.(b) Adverse action based on information obtained from third parties other than consumer reporting agencies(1) In general

Whenever credit for personal, family, or household purposes involving a consumer is denied or the charge for such credit is increased either wholly or partly because of information obtained from a person other than a consumer reporting agency bearing upon the consumer’s credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, the user of such information shall, within a reasonable period of time, upon the consumer’s written request for the reasons for such adverse action received within sixty days after learning of such adverse action, disclose the nature of the information to the consumer. The user of such information shall clearly and accurately disclose to the consumer his right to make such written request at the time such adverse action is communicated to the consumer.

(2) Duties of person taking certain actions based on information provided by affiliate(A) Duties, generallyIf a person takes an action described in subparagraph (B) with respect to a consumer, based in whole or in part on information described in subparagraph (C), the person shall—(i) notify the consumer of the action, including a statement that the consumer may obtain the information in accordance with clause (ii); and(ii) upon a written request from the consumer received within 60 days after transmittal of the notice required by clause (i), disclose to the consumer the nature of the information upon which the action is based by not later than 30 days after receipt of the request.(B) Action described

An action referred to in subparagraph (A) is an adverse action described in section 1681a(k)(1)(A) of this title, taken in connection with a transaction initiated by the consumer, or any adverse action described in clause (i) or (ii) of section 1681a(k)(1)(B) of this title.

(C) Information describedInformation referred to in subparagraph (A)—(i) except as provided in clause (ii), is information that—(I) is furnished to the person taking the action by a person related by common ownership or affiliated by common corporate control to the person taking the action; and(II) bears on the credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living of the consumer; and(ii) does not include—(I) information solely as to transactions or experiences between the consumer and the person furnishing the information; or(II) information in a consumer report.(c) Reasonable procedures to assure compliance

No person shall be held liable for any violation of this section if he shows by a preponderance of the evidence that at the time of the alleged violation he maintained reasonable procedures to assure compliance with the provisions of this section.

(d) Duties of users making written credit or insurance solicitations on basis of information contained in consumer files(1) In generalAny person who uses a consumer report on any consumer in connection with any credit or insurance transaction that is not initiated by the consumer, that is provided to that person under section 1681b(c)(1)(B) of this title, shall provide with each written solicitation made to the consumer regarding the transaction a clear and conspicuous statement that—(A) information contained in the consumer’s consumer report was used in connection with the transaction;(B) the consumer received the offer of credit or insurance because the consumer satisfied the criteria for credit worthiness or insurability under which the consumer was selected for the offer;(C) if applicable, the credit or insurance may not be extended if, after the consumer responds to the offer, the consumer does not meet the criteria used to select the consumer for the offer or any applicable criteria bearing on credit worthiness or insurability or does not furnish any required collateral;(D) the consumer has a right to prohibit information contained in the consumer’s file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer; and(E) the consumer may exercise the right referred to in subparagraph (D) by notifying a notification system established under section 1681b(e) of this title.(2) Disclosure of address and telephone number; formatA statement under paragraph (1) shall—(A) include the address and toll-free telephone number of the appropriate notification system established under section 1681b(e) of this title; and(B) be presented in such format and in such type size and manner as to be simple and easy to understand, as established by the Bureau, by rule, in consultation with the Federal Trade Commission, the Federal banking agencies, and the National Credit Union Administration.(3) Maintaining criteria on file

A person who makes an offer of credit or insurance to a consumer under a credit or insurance transaction described in paragraph (1) shall maintain on file the criteria used to select the consumer to receive the offer, all criteria bearing on credit worthiness or insurability, as applicable, that are the basis for determining whether or not to extend credit or insurance pursuant to the offer, and any requirement for the furnishing of collateral as a condition of the extension of credit or insurance, until the expiration of the 3-year period beginning on the date on which the offer is made to the consumer.

(4) Authority of Federal agencies regarding unfair or deceptive acts or practices not affected

This section is not intended to affect the authority of any Federal or State agency to enforce a prohibition against unfair or deceptive acts or practices, including the making of false or misleading statements in connection with a credit or insurance transaction that is not initiated by the consumer.

(e) Red flag guidelines and regulations required(1) GuidelinesThe Federal banking agencies, the National Credit Union Administration, the Federal Trade Commission, the Commodity Futures Trading Commission, and the Securities and Exchange Commission shall jointly, with respect to the entities that are subject to their respective enforcement authority under section 1681s of this title—(A) establish and maintain guidelines for use by each financial institution and each creditor regarding identity theft with respect to account holders at, or customers of, such entities, and update such guidelines as often as necessary;(B) prescribe regulations requiring each financial institution and each creditor to establish reasonable policies and procedures for implementing the guidelines established pursuant to subparagraph (A), to identify possible risks to account holders or customers or to the safety and soundness of the institution or customers; and(C) prescribe regulations applicable to card issuers to ensure that, if a card issuer receives notification of a change of address for an existing account, and within a short period of time (during at least the first 30 days after such notification is received) receives a request for an additional or replacement card for the same account, the card issuer may not issue the additional or replacement card, unless the card issuer, in accordance with reasonable policies and procedures—(i) notifies the cardholder of the request at the former address of the cardholder and provides to the cardholder a means of promptly reporting incorrect address changes;(ii) notifies the cardholder of the request by such other means of communication as the cardholder and the card issuer previously agreed to; or(iii) uses other means of assessing the validity of the change of address, in accordance with reasonable policies and procedures established by the card issuer in accordance with the regulations prescribed under subparagraph (B).(2) Criteria(A) In general

In developing the guidelines required by paragraph (1)(A), the agencies described in paragraph (1) shall identify patterns, practices, and specific forms of activity that indicate the possible existence of identity theft.

(B) Inactive accounts

In developing the guidelines required by paragraph (1)(A), the agencies described in paragraph (1) shall consider including reasonable guidelines providing that when a transaction occurs with respect to a credit or deposit account that has been inactive for more than 2 years, the creditor or financial institution shall follow reasonable policies and procedures that provide for notice to be given to a consumer in a manner reasonably designed to reduce the likelihood of identity theft with respect to such account.

(3) Consistency with verification requirements

Guidelines established pursuant to paragraph (1) shall not be inconsistent with the policies and procedures required under section 5318(l) of title 31.

(4) DefinitionsAs used in this subsection, the term “creditor”—(A) means a creditor, as defined in section 1691a of this title, that regularly and in the ordinary course of business—(i) obtains or uses consumer reports, directly or indirectly, in connection with a credit transaction;(ii) furnishes information to consumer reporting agencies, as described in section 1681s–2 of this title, in connection with a credit transaction; or(iii) advances funds to or on behalf of a person, based on an obligation of the person to repay the funds or repayable from specific property pledged by or on behalf of the person;(B) does not include a creditor described in subparagraph (A)(iii) that advances funds on behalf of a person for expenses incidental to a service provided by the creditor to that person; and(C) includes any other type of creditor, as defined in that section 1691a of this title, as the agency described in paragraph (1) having authority over that creditor may determine appropriate by rule promulgated by that agency, based on a determination that such creditor offers or maintains accounts that are subject to a reasonably foreseeable risk of identity theft.(f) Prohibition on sale or transfer of debt caused by identity theft(1) In general

No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c–2 of this title has resulted from identity theft.

(2) Applicability

The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph (1) after the date of a notification under paragraph (1).

(3) Rule of constructionNothing in this subsection shall be construed to prohibit—(A) the repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft;(B) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing; or(C) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.(g) Debt collector communications concerning identity theftIf a person acting as a debt collector (as that term is defined in subchapter V) on behalf of a third party that is a creditor or other user of a consumer report is notified that any information relating to a debt that the person is attempting to collect may be fraudulent or may be the result of identity theft, that person shall—(1) notify the third party that the information may be fraudulent or may be the result of identity theft; and(2) upon request of the consumer to whom the debt purportedly relates, provide to the consumer all information to which the consumer would otherwise be entitled if the consumer were not a victim of identity theft, but wished to dispute the debt under provisions of law applicable to that person.(h) Duties of users in certain credit transactions(1) In general

Subject to rules prescribed as provided in paragraph (6), if any person uses a consumer report in connection with an application for, or a grant, extension, or other provision of, credit on material terms that are materially less favorable than the most favorable terms available to a substantial proportion of consumers from or through that person, based in whole or in part on a consumer report, the person shall provide an oral, written, or electronic notice to the consumer in the form and manner required by regulations prescribed in accordance with this subsection.

(2) Timing

The notice required under paragraph (1) may be provided at the time of an application for, or a grant, extension, or other provision of, credit or the time of communication of an approval of an application for, or grant, extension, or other provision of, credit, except as provided in the regulations prescribed under paragraph (6).

(3) ExceptionsNo notice shall be required from a person under this subsection if—(A) the consumer applied for specific material terms and was granted those terms, unless those terms were initially specified by the person after the transaction was initiated by the consumer and after the person obtained a consumer report; or(B) the person has provided or will provide a notice to the consumer under subsection (a) in connection with the transaction.(4) Other notice not sufficient

A person that is required to provide a notice under subsection (a) cannot meet that requirement by providing a notice under this subsection.

(5) Content and delivery of noticeA notice under this subsection shall, at a minimum—(A) include a statement informing the consumer that the terms offered to the consumer are set based on information from a consumer report;(B) identify the consumer reporting agency furnishing the report;(C) include a statement informing the consumer that the consumer may obtain a copy of a consumer report from that consumer reporting agency without charge;(D) include the contact information specified by that consumer reporting agency for obtaining such consumer reports (including a toll-free telephone number established by the agency in the case of a consumer reporting agency described in section 1681a(p) of this title); and(E) include a statement informing the consumer of—(i) a numerical credit score as defined in section 1681g(f)(2)(A) of this title, used by such person in making the credit decision described in paragraph (1) based in whole or in part on any information in a consumer report; and(ii) the information set forth in subparagraphs (B) through (E) of section 1681g(f)(1) of this title.(6) Rulemaking(A) Rules required

The Bureau shall prescribe rules to carry out this subsection.

(B) ContentRules required by subparagraph (A) shall address, but are not limited to—(i) the form, content, time, and manner of delivery of any notice under this subsection;(ii) clarification of the meaning of terms used in this subsection, including what credit terms are material, and when credit terms are materially less favorable;(iii) exceptions to the notice requirement under this subsection for classes of persons or transactions regarding which the agencies determine that notice would not significantly benefit consumers;(iv) a model notice that may be used to comply with this subsection; and(v) the timing of the notice required under paragraph (1), including the circumstances under which the notice must be provided after the terms offered to the consumer were set based on information from a consumer report.(7) Compliance

A person shall not be liable for failure to perform the duties required by this section if, at the time of the failure, the person maintained reasonable policies and procedures to comply with this section.

(8) Enforcement(A) No civil actions

Sections 1681n and 1681o of this title shall not apply to any failure by any person to comply with this section.

(B) Administrative enforcement

This section shall be enforced exclusively under section 1681s of this title by the Federal agencies and officials identified in that section.

(Pub. L. 90–321, title VI, § 615, as added Pub. L. 91–508, title VI, § 601, Oct. 26, 1970, 84 Stat. 1133; amended Pub. L. 104–208, div. A, title II, § 2411, Sept. 30, 1996, 110 Stat. 3009–443; Pub. L. 108–159, title I, §§ 114, 154(b), 155, title II, § 213(a), title III, § 311(a), title VIII, § 811(h), Dec. 4, 2003, 117 Stat. 1960, 1967, 1978, 1988, 2012; Pub. L. 111–203, title X, §§ 1088(a)(2)(C), (7)–(9), 1100F, July 21, 2010, 124 Stat. 2087, 2088, 2112; Pub. L. 111–319, § 2(a), Dec. 18, 2010, 124 Stat. 3457.)Editorial NotesAmendments

2010—Subsec. (a)(2) to (4). Pub. L. 111–203, § 1100F(1), added par. (2), redesignated former pars. (2) and (3) as (3) and (4), respectively, and substituted “paragraph (3)” for “paragraph (2)” in par. (4).

Subsec. (d)(2)(B). Pub. L. 111–203, § 1088(a)(7), substituted “the Federal Trade Commission, the Federal banking agencies,” for “the Federal banking agencies”.

Pub. L. 111–203, § 1088(a)(2)(C), substituted “the Bureau” for “the Commission”.

Subsec. (e)(1). Pub. L. 111–203, § 1088(a)(8), substituted “the Federal Trade Commission, the Commodity Futures Trading Commission, and the Securities and Exchange Commission” for “and the Commission” in introductory provisions.

Subsec. (e)(4). Pub. L. 111–319 added par. (4).

Subsec. (h)(5)(E). Pub. L. 111–203, § 1100F(2), added subpar. (E).

Subsec. (h)(6)(A). Pub. L. 111–203, § 1088(a)(9), added subpar. (A) and struck out former subpar. (A). Prior to amendment, text read as follows: “The Commission and the Board shall jointly prescribe rules.”

2003—Subsec. (d)(2). Pub. L. 108–159, § 213(a), amended heading and text of par. (2) generally. Prior to amendment, text read as follows: “A statement under paragraph (1) shall include the address and toll-free telephone number of the appropriate notification system established under section 1681b(e) of this title.”

Subsec. (e). Pub. L. 108–159, § 811(h), repealed Pub. L. 104–208, § 2411(c). See 1996 Amendment note below.

Pub. L. 108–159, § 114, added subsec. (e) and struck out former subsec. (e) designation that had been added with no heading or text by Pub. L. 104–208, § 2411(c). See note above and 1996 Amendment note below.

Subsec. (f). Pub. L. 108–159, § 154(b), added subsec. (f).

Subsec. (g). Pub. L. 108–159, § 155, added subsec. (g).

Subsec. (h). Pub. L. 108–159, § 311(a), added subsec. (h).

1996—Subsec. (a). Pub. L. 104–208, § 2411(a), inserted heading and amended text of subsec. (a) generally. Prior to amendment, text read as follows: “Whenever credit or insurance for personal, family, or household purposes, or employment involving a consumer is denied or the charge for such credit or insurance is increased either wholly or partly because of information contained in a consumer report from a consumer reporting agency, the user of the consumer report shall so advise the consumer against whom such adverse action has been taken and supply the name and address of the consumer reporting agency making the report.”

Subsec. (b). Pub. L. 104–208, § 2411(e), inserted subsec. heading, designated existing provisions as par. (1) and inserted heading, and added par. (2).

Subsec. (c). Pub. L. 104–208, § 2411(d), substituted “this section” for “subsections (a) and (b) of this section”.

Subsec. (d). Pub. L. 104–208, § 2411(b), added subsec. (d).

Subsec. (e). Pub. L. 104–208, § 2411(c), which added subsec. (e) containing subsec. designation, but no heading or text, was repealed by Pub. L. 108–159, § 811(h).

Statutory Notes and Related SubsidiariesEffective Date of 2010 Amendment

Pub. L. 111–319, § 2(b), Dec. 18, 2010, 124 Stat. 3458, provided that: “The amendment made by this section [amending this section] shall become effective on the date of enactment of this Act [Dec. 18, 2010].”

Amendment by Pub. L. 111–203 effective on the designated transfer date, see section 1100H of Pub. L. 111–203, set out as a note under section 552a of Title 5, Government Organization and Employees.

Effective Date of 2003 Amendment

Amendment by Pub. L. 108–159 subject to joint regulations establishing effective dates as prescribed by Federal Reserve Board and Federal Trade Commission, except as otherwise provided, see section 3 of Pub. L. 108–159, set out as a note under section 1681 of this title.

Effective Date of 1996 Amendment

Amendment by Pub. L. 104–208 effective 365 days after Sept. 30, 1996, with special rule for early compliance, see section 2420 of Pub. L. 104–208, set out as a note under section 1681a of this title.

Effective Date

Section effective upon the expiration of one hundred and eighty days following Oct. 26, 1970, see section 504(d) of Pub. L. 90–321, as added by Pub. L. 91–508, set out as a note under section 1681 of this title.

Regulations

Pub. L. 108–159, title II, § 213(b), Dec. 4, 2003, 117 Stat. 1979, provided that: “Regulations required by section 615(d)(2) of the Fair Credit Reporting Act [15 U.S.C. 1681m(d)(2)], as amended by this section, shall be issued in final form not later than 1 year after the date of enactment of this Act [Dec. 4, 2003].”

Notes of Decisions

Cited in 213 cases (46 in the last 5 years), 1974–2026 · leading case: Safeco Ins. Co. of Am. v. Burr, 551 U.S. 47 (2007).

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Safeco Ins. Co. of Am. v. Burr, 551 U.S. 47 (2007). · cites it 9× “" 15 U.S.C. § 1681m(a). Anyone who "willfully fails" to provide notice is civilly liable to the consumer.”

Thelma Perry v. First Nat'l Bank, Doing Bus. as First Nat'l Credit Card, 459 F.3d 816 (1st Cir. 2006). · cites it 14× “Congress amended parts of 15 U.S.C. § 1681m on December 4, 2003, as part of the Fair and Accurate Credit Transactions Act (“FACTA”), Pub.”

Babb v. Wilkie, 140 S. Ct. 1168 (2020). · cites it 2× “on any information contained in a consumer [credit] report" modifies "adverse action," and thus the information in question must be a but-for cause of the adverse action.”

Killingsworth v. HSBC Bank Nevada, N.A., 507 F.3d 614 (7th Cir. 2007). · cites it 2× “See 15 U.S.C. § 1681m(h)(8). Sawyer and Killingsworth argue that the amendment, effective December 1, 2004, impairs rights they possessed prior to the new statute’s effective date and therefore has an impermissible retroactive effect if applied to them.”

White v. E-Loan, Inc., 409 F. Supp. 2d 1183 (N.D. Cal. 2006). · cites it 13× “If "section” in § 1681m(h)(7), which was enacted as part of FACTA § 311, is not interpreted to mean "subsection,” then the provision is substantively identical to 15 U.S.C. § 1681m(c). 6 . Although neither party has addressed plaintiff's claim for declaratory and injunctive…”

Wiggins v. Dist. Cablevision, Inc., 853 F. Supp. 484 (D.D.C. 1994). · cites it 6× “He also states that defendants "violated 15 USC § 1681m(a) and (b) of the FCRA because it had failed to maintain reasonable procedures to assure compliance with the provisions of subsection (a) and (b) of 15 USC § 1681m. [sic]" Plf.’s Mem.Opp’n Defs.”

Stavroff v. Gurley Leep Dodge, Inc., 413 F. Supp. 2d 962 (N.D. Ind. 2006). · cites it 8× “The Plaintiff has alleged that Defendants violated Section 1681m of the Fair Credit Reporting Act, 15 U.S.C. § 1681m. The Defendants assert that it is entitled to Judgment as a matter of law and that Plaintiffs claim should be dismissed with prejudice for failure to state a…”

Whitfield v. Radian Guar., Inc., 501 F.3d 262 (3rd Cir. 2007). · cites it 7× “” See 15 U.S.C. § 1681m. Radian argued that it never had any information from a consumer reporting agency, but that its rate was based in part on the credit score that it received from Countrywide.”

Nancy R. Murray, Plaintiff-Petitioner v. Gmac Mortg. Corp., Doing Bus. as ditech.com, Defendant-Respondent, 434 F.3d 948 (7th Cir. 2006). · cites it 2× “§ 1681b(c)(l)(B)(i); second, GMACM’s offer did not include a “clear and conspicuous” notice of the recipient’s right to close her credit information to all who lacked her prior consent, see 15 U.S.C. § 1681m(d)(l)(D). Murray filed suit, proposing to represent a class of about 1.”

Oneta S. Cole v. U.S. Capital, Inc., Autonation USA Corp., & Jerry Gleason Chevrolet, Inc., 389 F.3d 719 (7th Cir. 2004). · cites it 2× “15 U.S.C. § 1681m(d) (emphasis added). 11 The notice must inform the consumer that: (1) the recipient’s consumer credit report was used in determining who should be sent the offer; (2) the consumer was selected because the consumer satisfied certain criteria; (3) the offer may…”

In Re Farmers Ins. Co., Inc., FCRA Litig., 738 F. Supp. 2d 1180 (W.D. Okla. 2010). · cites it 16× “1) rejected for an insurance policy; 2) transferred to another Farmers’ subsidiary at a higher premium; 3) charged a higher premium with the same Farmers’ subsidiary; or 4) were required to pay additional upfront premiums, and who received no contemporaneous notice from…”

Arikat v. JP Morgan Chase & Co., 430 F. Supp. 2d 1013 (N.D. Cal. 2006). · cites it 5× “Yet, plaintiffs do not allege that the representations were false when made or that any defendant acted with scienter. Plaintiffs’ fraud cause of action is dismissed.”

Show all 213 citing cases →

— 15 U.S.C. § 1681m(3) — 1 case

Desiree Gilberg v. Cal. Check Cashing Stores, LLC, 913 F.3d 1169 (9th Cir. 2019).

— 15 U.S.C. § 1681m(4)(B) — 1 case

Gates v. The Grier Found. (M.D. Penn. 2024).

— 15 U.S.C. § 1681m(a) — 87 cases

Safeco Ins. Co. of Am. v. Burr, 551 U.S. 47 (2007). “" 15 U.S.C. § 1681m(a). Anyone who "willfully fails" to provide notice is civilly liable to the consumer.”

Babb v. Wilkie, 140 S. Ct. 1168 (2020). “on any information contained in a consumer [credit] report" modifies "adverse action," and thus the information in question must be a but-for cause of the adverse action.”

Whitfield v. Radian Guar., Inc., 501 F.3d 262 (3rd Cir. 2007). “” See 15 U.S.C. § 1681m. Radian argued that it never had any information from a consumer reporting agency, but that its rate was based in part on the credit score that it received from Countrywide.”

Wiggins v. Dist. Cablevision, Inc., 853 F. Supp. 484 (D.D.C. 1994). “He also states that defendants "violated 15 USC § 1681m(a) and (b) of the FCRA because it had failed to maintain reasonable procedures to assure compliance with the provisions of subsection (a) and (b) of 15 USC § 1681m. [sic]" Plf.’s Mem.Opp’n Defs.”

Carroll v. Exxon Co., USA, 434 F. Supp. 557 (E.D. La. 1977).

— 15 U.S.C. § 1681m(a)(1) — 5 cases

Costa v. Mauro Chevrolet, Inc., 390 F. Supp. 2d 720 (N.D. Ill. 2005).

Troy K. Scheffler v. Messerli & Kramer P.A., 791 F.3d 847 (8th Cir. 2015).

Reynolds v. Hartford Fin. Servs. Grp., Inc., 426 F.3d 1020 (9th Cir. 2005).

Reynolds v. Hartford Fin. Servs. Grp., Inc., 416 F.3d 1097 (9th Cir. 2005).

Rausch v. Hartford (9th Cir. 2005).

— 15 U.S.C. § 1681m(a)(2) — 7 cases

Burrell v. Dfs Servs., LLC, 753 F. Supp. 2d 438 (D.N.J. 2010).

Costa v. Mauro Chevrolet, Inc., 390 F. Supp. 2d 720 (N.D. Ill. 2005).

Ashby v. Farmers Ins. Co. of Oregon, 592 F. Supp. 2d 1307 (D. Or. 2008).

Reynolds v. Hartford Fin. Servs. Grp., Inc., 435 F.3d 1081 (9th Cir. 2006).

Reynolds v. Hartford Fin. Servs. Grp., Inc., 426 F.3d 1020 (9th Cir. 2005).

— 15 U.S.C. § 1681m(a)(3) — 1 case

Tony Nunley v. Cardinal Logistics Mgmt. Corp. (C.D. Cal. 2022).

— 15 U.S.C. § 1681m(a)(3)(A) — 2 cases

Mick v. Level Propane Gases, Inc., 183 F. Supp. 2d 1014 (S.D. Ohio 2000).

Nunnally v. Equifax Info. Servs., LLC., 366 F. Supp. 2d 1119 (N.D. Ala. 2005).

— 15 U.S.C. § 1681m(a)(3)(B) — 1 case

Williams v. First Advantage LNS Screening Solutions, Inc., 155 F. Supp. 3d 1233 (N.D. Fla. 2015).

— 15 U.S.C. § 1681m(a)(4) — 2 cases

Croley v. Jewish Residential Servs., Inc. (W.D. Pa. 2025).

Brown v. Direct Screening Inc. (N.D. Okla. 2025).

— 15 U.S.C. § 1681m(a)(4)(B) — 2 cases

Gates v. The Grier Found. (M.D. Penn. 2024).

— 15 U.S.C. § 1681m(a)(l) — 5 cases

Brunson v. Provident Funding Assocs., 608 F. App'x 602 (10th Cir. 2015).

Reynolds v. Hartford Fin. Servs. Grp., Inc., 435 F.3d 1081 (9th Cir. 2006).

Progressive Corp. Insur. v. Progressive Express, 312 F. App'x 168 (11th Cir. 2008).

Mick v. Level Propane Gases, Inc., 183 F. Supp. 2d 1014 (S.D. Ohio 2000).

Reynolds v. Hartford Fin. Servs. Grp., Inc., 416 F.3d 1097 (9th Cir. 2005).

— 15 U.S.C. § 1681m(b) — 6 cases

Lorna A. Matthiesen, an Individual v. Banc One Mortg. Corp., a Delaware Corp., 173 F.3d 1242 (10th Cir. 1999).

Greenwood Trust Co. v. Conley, 938 P.2d 1141 (Colo. 1997).

Aghaeepour v. N. Leasing Sys., Inc., 378 F. Supp. 3d 254 (S.D. Ill. 2019).

Aghaeepour v. N. Leasing Sys., Inc. (S.D.N.Y. 2019).

— 15 U.S.C. § 1681m(b)(1) — 2 cases

Hanlin v. Ohio Builders & Remodelers, Inc., 196 F. Supp. 2d 572 (S.D. Ohio 2001).

Wood v. Third Fed. Sav. & Loan Ass'n (N.D. Ohio 2021).

— 15 U.S.C. § 1681m(b)(2) — 3 cases

Ashby v. Farmers Grp., Inc., 261 F. Supp. 2d 1213 (D. Or. 2003).

Razilov v. Nationwide Mut. Ins., 242 F. Supp. 2d 977 (D. Or. 2003).

Whitfield v. Radian Guar., Inc., 395 F. Supp. 2d 234 (E.D. Pa. 2005).

— 15 U.S.C. § 1681m(b)(2)(B) — 2 cases

Thelma Perry v. First Nat'l Bank, Doing Bus. as First Nat'l Credit Card, 459 F.3d 816 (1st Cir. 2006). “Congress amended parts of 15 U.S.C. § 1681m on December 4, 2003, as part of the Fair and Accurate Credit Transactions Act (“FACTA”), Pub.”

Perry, Thelma v. First Nat'l Bank (7th Cir. 2006).

— 15 U.S.C. § 1681m(b)(2)(C)(i) — 1 case

Bank of Am., NA v. City of Daly City, Cal., 279 F. Supp. 2d 1118 (N.D. Cal. 2003).

— 15 U.S.C. § 1681m(c) — 11 cases

Carroll v. Exxon Co., USA, 434 F. Supp. 557 (E.D. La. 1977).

White v. E-Loan, Inc., 409 F. Supp. 2d 1183 (N.D. Cal. 2006). “If "section” in § 1681m(h)(7), which was enacted as part of FACTA § 311, is not interpreted to mean "subsection,” then the provision is substantively identical to 15 U.S.C. § 1681m(c). 6 . Although neither party has addressed plaintiff's claim for declaratory and injunctive…”

In Re Farmers Ins. Co., Inc., FCRA Litig., 738 F. Supp. 2d 1180 (W.D. Okla. 2010). “1) rejected for an insurance policy; 2) transferred to another Farmers’ subsidiary at a higher premium; 3) charged a higher premium with the same Farmers’ subsidiary; or 4) were required to pay additional upfront premiums, and who received no contemporaneous notice from…”

— 15 U.S.C. § 1681m(d) — 22 cases

Murray v. New Cingular Wireless Servs., Inc., 523 F.3d 719 (7th Cir. 2008).

Stephen G. Levine v. World Fin. Network Nat'l, 437 F.3d 1118 (11th Cir. 2006).

Oneta S. Cole v. U.S. Capital, Inc., Autonation USA Corp., & Jerry Gleason Chevrolet, Inc., 389 F.3d 719 (7th Cir. 2004). “15 U.S.C. § 1681m(d) (emphasis added). 11 The notice must inform the consumer that: (1) the recipient’s consumer credit report was used in determining who should be sent the offer; (2) the consumer was selected because the consumer satisfied certain criteria; (3) the offer may…”

Soroka v. JP Morgan Chase & Co., 500 F. Supp. 2d 217 (S.D.N.Y. 2007).

— 15 U.S.C. § 1681m(d)(1) — 3 cases

Stavroff v. Gurley Leep Dodge, Inc., 413 F. Supp. 2d 962 (N.D. Ind. 2006). “The Plaintiff has alleged that Defendants violated Section 1681m of the Fair Credit Reporting Act, 15 U.S.C. § 1681m. The Defendants assert that it is entitled to Judgment as a matter of law and that Plaintiffs claim should be dismissed with prejudice for failure to state a…”

Waller v. Trans Union, LLC (D. Maryland 2024).

Cole, Oneta S. v. US Capital Inc (7th Cir. 2004).

— 15 U.S.C. § 1681m(d)(1)(A) — 3 cases

Sullivan v. Greenwood Credit Union, 499 F. Supp. 2d 83 (D. Mass. 2007).

McDonald v. NextStudent Inc., 542 F. Supp. 2d 956 (E.D. Mo. 2008).

Clayton Poehl v. Countrywide Home Loans (8th Cir. 2008).

— 15 U.S.C. § 1681m(d)(1)(D) — 2 cases

Scholinder v. First Nat'l Def (1st Cir. 2004).

Murray, Nancy R. v. GMAC Mortg. Corp (7th Cir. 2006).

— 15 U.S.C. § 1681m(d)(3) — 1 case

Murray v. GMAC Mortg. Corp., 483 F. Supp. 2d 636 (N.D. Ill. 2007).

— 15 U.S.C. § 1681m(d)(l) — 9 cases

In re Trans Union Corp. Privacy Litig., 211 F.R.D. 328 (N.D. Ill. 2002).

Murray v. Household Bank (SB), N.A., 386 F. Supp. 2d 993 (N.D. Ill. 2005).

Murray v. GMAC Mortg. Corp., 483 F. Supp. 2d 636 (N.D. Ill. 2007).

Harris v. Fletcher Chrysler Prods., Inc., 458 F. Supp. 2d 748 (S.D. Ind. 2006).

— 15 U.S.C. § 1681m(d)(l)(A) — 4 cases

Poehl v. Countrywide Home Loans, Inc., 528 F.3d 1093 (8th Cir. 2008).

Sullivan v. Greenwood Credit Union, 520 F.3d 70 (1st Cir. 2008).

Dixon v. Shamrock Fin. Corp., 522 F.3d 76 (1st Cir. 2008).

Soroka v. JP Morgan Chase & Co., 500 F. Supp. 2d 217 (S.D.N.Y. 2007).

— 15 U.S.C. § 1681m(d)(l)(D) — 1 case

Nancy R. Murray, Plaintiff-Petitioner v. Gmac Mortg. Corp., Doing Bus. as ditech.com, Defendant-Respondent, 434 F.3d 948 (7th Cir. 2006). “§ 1681b(c)(l)(B)(i); second, GMACM’s offer did not include a “clear and conspicuous” notice of the recipient’s right to close her credit information to all who lacked her prior consent, see 15 U.S.C. § 1681m(d)(l)(D). Murray filed suit, proposing to represent a class of about 1.”

— 15 U.S.C. § 1681m(e) — 3 cases

Bruce v. Grieger's Motor Sales, Inc., 422 F. Supp. 2d 988 (N.D. Ind. 2006).

Perry, Thelma v. First Nat'l Bank (7th Cir. 2006).

— 15 U.S.C. § 1681m(e)(1) — 1 case

Cathy Harris v. Scott Bessent (D.C. Cir. 2025).

— 15 U.S.C. § 1681m(e)(1)(A) — 1 case

Am. Bar Ass'n v. Fed. Trade Comm'n (D.D.C. 2009).

— 15 U.S.C. § 1681m(e)(2)(B) — 2 cases

Am. Bar Ass'n v. Fed. Trade Comm'n, 671 F. Supp. 2d 64 (D.D.C. 2009).

Am. Bar Ass'n v. Fed. Trade Comm'n (D.D.C. 2009).

— 15 U.S.C. § 1681m(e)(4) — 2 cases

Am. Bar Ass'n v. Fed. Trade Comm'n, 636 F.3d 641 (D.C. Cir. 2011).

Oatway v. Experian Info. Solutions Inc (W.D. Wash. 2025).

— 15 U.S.C. § 1681m(e)(l)(A) — 1 case

Am. Bar Ass'n v. Fed. Trade Comm'n, 671 F. Supp. 2d 64 (D.D.C. 2009).

— 15 U.S.C. § 1681m(e)(l)(B) — 1 case

Am. Bar Ass'n v. Fed. Trade Comm'n, 636 F.3d 641 (D.C. Cir. 2011).

— 15 U.S.C. § 1681m(f) — 2 cases

N'jai v. U.S. Dep't of Educ. (D.D.C. 2021).

Andrew S. Kindle v. Bank of Am. (C.D. Cal. 2022).

— 15 U.S.C. § 1681m(g) — 4 cases

Sterk v. Redbox Automated Retail, LLC, 806 F. Supp. 2d 1059 (N.D. Ill. 2011).

Rosa v. Mandarich Law Grp. LLP (S.D.N.Y. 2023).

Ozturk v. Amsher Collection Servs., Inc. (D.N.J. 2022).

Ozturk v. Amsher Collection Servs., Inc. (D.N.J. 2023).

— 15 U.S.C. § 1681m(h) — 7 cases

Nat'l Auto. Dealers Ass'n v. Fed. Trade Comm'n, 670 F.3d 268 (D.C. Cir. 2012).

Nat'l Auto. Dealers Ass'n v. Fed. Trade Comm'n, 864 F. Supp. 2d 65 (D.D.C. 2012).

Barnette v. Brook Road, Inc., 429 F. Supp. 2d 741 (E.D. Va. 2006).

Calloway v. Green Tree Servicing, LLC, 607 F. Supp. 2d 669 (D. Del. 2009).

— 15 U.S.C. § 1681m(h)(1) — 3 cases

Nat'l Auto. Dealers Ass'n v. Fed. Trade Comm'n, 670 F.3d 268 (D.C. Cir. 2012).

Perry, Thelma v. First Nat'l Bank (7th Cir. 2006).

— 15 U.S.C. § 1681m(h)(5) — 1 case

Ashby v. Farmers Ins. Co. of Oregon, 565 F. Supp. 2d 1188 (D. Or. 2008).

— 15 U.S.C. § 1681m(h)(5)(C) — 1 case

Brown v. Direct Screening Inc. (N.D. Okla. 2025).

— 15 U.S.C. § 1681m(h)(6) — 1 case

Nat'l Auto. Dealers Ass'n v. Fed. Trade Comm'n, 864 F. Supp. 2d 65 (D.D.C. 2012).

— 15 U.S.C. § 1681m(h)(7) — 1 case

— 15 U.S.C. § 1681m(h)(8) — 25 cases

Killingsworth v. HSBC Bank Nevada, N.A., 507 F.3d 614 (7th Cir. 2007). “See 15 U.S.C. § 1681m(h)(8). Sawyer and Killingsworth argue that the amendment, effective December 1, 2004, impairs rights they possessed prior to the new statute’s effective date and therefore has an impermissible retroactive effect if applied to them.”

United States v. Richard A. Chafin, 808 F.3d 1263 (11th Cir. 2015).

— 15 U.S.C. § 1681m(h)(8)(A) — 5 cases

Daghlian v. Devry Univ., Inc., 461 F. Supp. 2d 1121 (C.D. Cal. 2006).

Doe v. Charter Commc'ns, 131 F.4th 323 (5th Cir. 2025).

Ozturk v. Amsher Collection Servs., Inc. (D.N.J. 2023).

— 15 U.S.C. § 1681m(h)(8)(B) — 9 cases

Bruce v. Grieger's Motor Sales, Inc., 422 F. Supp. 2d 988 (N.D. Ind. 2006).

Am. Bar Ass'n v. Fed. Trade Comm'n, 671 F. Supp. 2d 64 (D.D.C. 2009).

Murray v. Sunrise Chevrolet, Inc., 441 F. Supp. 2d 940 (N.D. Ill. 2006).

— 15 U.S.C. § 1681m(h)(8)(a) — 1 case

Wood v. Third Fed. Sav. & Loan Ass'n (N.D. Ohio 2022).

— 15 U.S.C. § 1681m(h)(8)(b) — 1 case

Wood v. Third Fed. Sav. & Loan Ass'n (N.D. Ohio 2022).

— 15 U.S.C. § 1681m(h)(l) — 5 cases

Nat'l Auto. Dealers Ass'n v. Fed. Trade Comm'n, 864 F. Supp. 2d 65 (D.D.C. 2012).

Murray v. Household Bank (SB), N.A., 386 F. Supp. 2d 993 (N.D. Ill. 2005).

Barnette v. Brook Road, Inc., 429 F. Supp. 2d 741 (E.D. Va. 2006).

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