FCRA Home        Search    Contents      

Section 610

§ 1681h. Conditions and Form of Disclosure to Consumers

  1. A consumer reporting agency shall make the disclosures required under section 609 during normal business hours and on reasonable notice.

  3. The disclosures required under section 609 shall be made to the consumer --
    1. in person if he appears in person and furnishes proper identification; or


    3. by telephone if he has made a written request, with proper identification, for telephone disclosure and the toll charge, if any, for the telephone call is prepaid by or charged directly to the consumer.


  1. In General:

    1. Proper identification: A consumer reporting agency shall require, as a condition of making the disclosures required under Section 609, that the consumer furnish proper identification.


    3. Disclosure in writing: Except as provided in subsection (b), the disclosures required to be made under Section 609 shall be provided under that section in writing.


  3. Other Forms of Disclosure:

    1. In general: If authorized by a consumer, a consumer reporting agency may make the disclosures required under 609-

      1. other than in writing; and


      3. in such form as may be-

        1. specified by the consumer in accordance with paragraph (2); and


        3. available from the agency.




    3. Form: A consumer may specify pursuant to paragraph (1) that disclosures under Section 609 shall be made-

      1. in person, upon the appearance of the consumer at the place of business of the consumer reporting agency where disclosures are regularly provided, during normal business hours, and on reasonable notice;

      2. by telephone, if the consumer has made a written request for disclosure by telephone;

      3. by electronic means, if available from the agency; or

      4. by any other reasonable means that is available from the agency.



  5. Any consumer reporting agency shall provide trained personnel to explain to the consumer any information furnished to him pursuant to Section 609.

  7. The consumer shall be permitted to be accompanied by one other person of his choosing, who shall furnish reasonable identification. A consumer reporting agency may require the consumer to furnish a written statement granting permission to the consumer reporting agency to discuss the consumer's file in such person's presence.

  9. Except as provided in Sections 616 and 617, no consumer may bring any action or proceeding in the nature of defamation, invasion of privacy, or negligence with respect to the reporting of information against any consumer reporting agency, any user of information, or any person who furnishes information to a consumer reporting agency, based on information disclosed pursuant to Section 609, 610, or 615, or based on information disclosed by a user of a consumer report to or for a consumer against whom the user has taken adverse action, based in whole or in part on the report except as to false information furnished with malice or willful intent to injure such consumer.

    (Simplified disclosure: Not later than 90 days after the date of enactment of this Act, each consumer reporting agency shall develop a form on which such consumer reporting agency shall make the disclosures required under Section 609(a) of the Fair Credit Reporting Act, for the purpose of maximizing the comprehensibility and standardization of such disclosures.)
    (Goals: The Federal Trade Commission shall take appropriate action to assure that the goals of comprehensibility and standardization are achieved in accordance with paragraph (2).)




Previous Section . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Next Section

Return to the FCRA Comparison - Section Index


[FrontPage Include Component]

[FrontPage Include Component]

Section 610

§ 1681h. Conditions and Form of Disclosure to Consumers

  1. A consumer reporting agency shall make the disclosures required under section 609 during normal business hours and on reasonable notice.

  3. The disclosures required under section 609 shall be made to the consumer --
    1. in person if he appears in person and furnishes proper identification; or


    3. by telephone if he has made a written request, with proper identification, for telephone disclosure and the toll charge, if any, for the telephone call is prepaid by or charged directly to the consumer.


  1. In General:

    1. Proper identification: A consumer reporting agency shall require, as a condition of making the disclosures required under Section 609, that the consumer furnish proper identification.


    3. Disclosure in writing: Except as provided in subsection (b), the disclosures required to be made under Section 609 shall be provided under that section in writing.


  3. Other Forms of Disclosure:

    1. In general: If authorized by a consumer, a consumer reporting agency may make the disclosures required under 609-

      1. other than in writing; and


      3. in such form as may be-

        1. specified by the consumer in accordance with paragraph (2); and


        3. available from the agency.




    3. Form: A consumer may specify pursuant to paragraph (1) that disclosures under Section 609 shall be made-

      1. in person, upon the appearance of the consumer at the place of business of the consumer reporting agency where disclosures are regularly provided, during normal business hours, and on reasonable notice;

      2. by telephone, if the consumer has made a written request for disclosure by telephone;

      3. by electronic means, if available from the agency; or

      4. by any other reasonable means that is available from the agency.



  5. Any consumer reporting agency shall provide trained personnel to explain to the consumer any information furnished to him pursuant to Section 609.

  7. The consumer shall be permitted to be accompanied by one other person of his choosing, who shall furnish reasonable identification. A consumer reporting agency may require the consumer to furnish a written statement granting permission to the consumer reporting agency to discuss the consumer's file in such person's presence.

  9. Except as provided in Sections 616 and 617, no consumer may bring any action or proceeding in the nature of defamation, invasion of privacy, or negligence with respect to the reporting of information against any consumer reporting agency, any user of information, or any person who furnishes information to a consumer reporting agency, based on information disclosed pursuant to Section 609, 610, or 615, or based on information disclosed by a user of a consumer report to or for a consumer against whom the user has taken adverse action, based in whole or in part on the report except as to false information furnished with malice or willful intent to injure such consumer.

    (Simplified disclosure: Not later than 90 days after the date of enactment of this Act, each consumer reporting agency shall develop a form on which such consumer reporting agency shall make the disclosures required under Section 609(a) of the Fair Credit Reporting Act, for the purpose of maximizing the comprehensibility and standardization of such disclosures.)
    (Goals: The Federal Trade Commission shall take appropriate action to assure that the goals of comprehensibility and standardization are achieved in accordance with paragraph (2).)




Previous Section . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Next Section

Return to the FCRA Comparison - Section Index