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15 U.S.C. § 1681f — Disclosures to governmental agencies
Federal law — U.S. Code and appendices · legal_authorities
Notwithstanding the provisions of [section 1681b of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1681b&num=0&edition=prelim), a consumer reporting agency may furnish identifying information respecting any consumer, limited to his name, address, former addresses, places of employment, or former places of employment, to a governmental agency.
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Source file: Laws/federal/codes/united-states-code/title-15/section-1681f-disclosures-to-governmental-agencies--ca2c06d15d.md
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Source location: Title 15, Chapter 41, § 1681f; chapter-041-consumer-credit-protection.md
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Notwithstanding the provisions of [section 1681b of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1681b&num=0&edition=prelim), a consumer reporting agency may furnish identifying information respecting any consumer, limited to his name, address, former addresses, places of employment, or former places of employment, to a governmental agency.
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Federal law — U.S. Code and appendices · legal_authorities
**(a) Accuracy and fairness of credit reporting** The Congress makes the following findings:
(1) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
(2) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
(3) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
(4) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer’s right to privacy.
**(b) Reasonable procedures** It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Source: Supplied U.S. Code snapshot — release unconfirmed · 15 U.S.C. § 1681
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Federal law — U.S. Code and appendices · legal_authorities
**(a) In general** Subject to subsection (c), any consumer reporting agency may furnish a consumer report under the following circumstances and no other:
(1) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with [section 5318 of title 31](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title31-section5318&num=0&edition=prelim) or [section 3486 of title 18](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title18-section3486&num=0&edition=prelim).
(2) In accordance with the written instructions of the consumer to whom it relates.
(3) To a person which it has reason to believe—
(A) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer; or
(B) intends to use the information for employment purposes; or
(C) intends to use the information in connection with the underwriting of insurance involving the consumer; or
(D) intends to use the information in connection with a determination of the consumer’s eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant’s financial responsibility or status; or
(E) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation; or
(F) otherwise has a legitimate business need for the information—
(i) in connection with a business transaction that is i
Source: Supplied U.S. Code snapshot — release unconfirmed · 15 U.S.C. § 1681b
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Federal law — U.S. Code and appendices · legal_authorities
**(a)** Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.
**(b)** The term “person” means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
**(c)** The term “consumer” means an individual.
**(d) Consumer Report.—**
(1) **In general.—** — The term “consumer report” means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer’s credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer’s eligibility for—
(A) credit or insurance to be used primarily for personal, family, or household purposes;
(B) employment purposes; or
(C) any other purpose authorized under [section 1681b of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1681b&num=0&edition=prelim).
(2) **Exclusions.—** — Except as provided in paragraph (3), the term “consumer report” does not include—
(A) subject to [section 1681s–3 of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1681s-3&num=0&edition=prelim), any—
(i) report containing information solely as to transactions or experiences between the consumer and the person making the report;
(ii) communication of that information among persons related by common ownership or affiliated by corporate control; or
(iii) communication of other information among persons related by common ownership or affiliated by corporate control, if it
Source: Supplied U.S. Code snapshot — release unconfirmed · 15 U.S.C. § 1681a
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Federal law — U.S. Code and appendices · legal_authorities
Page 1582
TITLE 15—COMMERCE AND TRADE
§ 1681f
1 See References in Text note below.
(B) the agency or department certifies in
writing to the person reselling the report
that nondisclosure is necessary to protect
classified information or the safety of per-
sons employed by or contracting with, or un-
dergoing investigation for work or con-
tracting with the agency or department.
(Pub. L. 90–321, title VI, § 607, as added Pub. L.
91–508, title VI, § 601, Oct. 26, 1970, 84 Stat. 1130;
amended Pub. L. 104–208, div. A, title II, § 2407,
Sept. 30, 1996, 110 Stat. 3009–435; Pub. L. 105–107,
title III, § 311(b), Nov. 20, 1997, 111 Stat. 2256; Pub.
L. 111–203, title X, § 1088(a)(2)(A), July 21, 2010,
124 Stat. 2087.)
Editorial Notes
REFERENCES IN TEXT
Section 1681b(b)(4) of this title, referred to in subsec.
(e)(3)(A), was subsequently amended, and section
1681b(b)(4)(E) no longer defines the term ‘‘classified in-
formation’’. However, such term is defined elsewhere in
that section.
AMENDMENTS
2010—Subsec. (d)(2). Pub. L. 111–203 substituted ‘‘Bu-
reau’’ for ‘‘Federal Trade Commission’’ in two places.
1997—Subsec. (e)(3). Pub. L. 105–107 added par. (3).
1996—Subsecs. (c) to (e). Pub. L. 104–208 added subsecs.
(c) to (e).
Statutory Notes and Related Subsidiaries
EFFECTIVE DATE OF 2010 AMENDMENT
Amendment by Pub. L. 111–203 effective on the des-
ignated 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 1997 AMENDMENT
Amendment by Pub. L. 105–107 effective as if included
in chapter 1 of subtitle D of the Economic Growth and
Regulatory Paperwork Reduction Act of 1996, Pub. L.
104–208, as of Sept. 30, 1996, see section 311(c) of Pub. L.
105–107,
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