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Section 612
§ 1681j. Charges for Certain Disclosures
A consumer reporting agency shall make all disclosures pursuant to section 609 and
furnish all consumer reports pursuant to section 611(d) without charge to the consumer if,
within thirty days after receipt by such consumer of a notification pursuant to section
615 or notification from a debt collection agency affiliated with such consumer reporting
agency stating that the consumer's credit rating may be or has been adversely affected,
the consumer makes a request under section 609 or 611(d). Otherwi se, the consumer
reporting agency may impose a reasonable charge on the consumer for making disclosure to
such consumer pursuant to section 609, the charge for which shall be indicated to the
consumer prior to making disclosure; and for furnishing notifi cation, statements,
summaries, or codifications to person designated by the consumer pursuant to section
611(d), the charge for which shall be indicated to the consumer prior to furnishing such
information and shall not exceed the charge that the consume r reporting agency would
impose on each designated recipient for a consumer report except that no charge may be
made for notifying such persons of the deletion of information which is found to be
inaccurate or which can no longer be verified.
- Reasonable Charges Allowed for Certain Disclosures:
- In general: Except as provided in subsections (b), (c), and (d), a consumer reporting
agency may impose a reasonable charge on a consumer-
- for making a disclosure to the consumer pursuant to Section 609, which charge-
- shall not exceed $8; and
- shall be indicated to the consumer before making the disclosure; and
- for furnishing, pursuant to Section 61l(d),
following a reinvestigation under Section 61l(a), a
statement, codification, or summary to a person designated by the consumer under that
section after the 30-day period beginning on the date of notification of the consumer
under paragraph (6) or (8) of Section 61l(a)
with respect to the reinvestigation, which charge-
- shall not exceed the charge that the agency would impose on each designated recipient
for a consumer report; and
- shall be indicated to the consumer before furnishing such information.
- Modification of amount: The Federal Trade Commission shall increase the amount referred
to in paragraph (l)(A)(i) on January 1 of each year, based proportionally on changes in
the Consumer Price Index, with fractional changes rounded to the nearest fifty cents.
- Free Disclosure After Adverse Notice to Consumer: Each consumer reporting agency that
maintains a file on a consumer shall make all disclosures pursuant to Section 609 without charge to the consumer if, not later than 60 days
after receipt by such consumer of a notification pursuant to Section 615, or of a notification from a debt collection agency affiliated
with that consumer reporting agency stating that the consumer's credit rating may be or
has been adversely affected, the consumer makes a request under Section 609.
- Free Disclosure Under Certain Other Circumstances: Upon the request of the consumer, a
consumer reporting agency shall make all disclosures pursuant to Section 609 once during any 12-month period without charge to that
consumer if the consumer certifies in writing that the consumer--
- is unemployed and intends to apply for employment in the 60-day period beginning on the
date on which the certification is made;
- is a recipient of public welfare assistance; or
- has reason to believe that the file on the consumer at the agency contains inaccurate
information due to fraud.
- Other Charges Prohibited: A consumer reporting agency shall not impose any charge on a
consumer for providing any notification required by this title or making any disclosure
required by this title, except as authorized by subsection (a).
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[FrontPage Include Component]
Section 612
§ 1681j. Charges for Certain Disclosures
A consumer reporting agency shall make all disclosures pursuant to section 609 and
furnish all consumer reports pursuant to section 611(d) without charge to the consumer if,
within thirty days after receipt by such consumer of a notification pursuant to section
615 or notification from a debt collection agency affiliated with such consumer reporting
agency stating that the consumer's credit rating may be or has been adversely affected,
the consumer makes a request under section 609 or 611(d). Otherwi se, the consumer
reporting agency may impose a reasonable charge on the consumer for making disclosure to
such consumer pursuant to section 609, the charge for which shall be indicated to the
consumer prior to making disclosure; and for furnishing notifi cation, statements,
summaries, or codifications to person designated by the consumer pursuant to section
611(d), the charge for which shall be indicated to the consumer prior to furnishing such
information and shall not exceed the charge that the consume r reporting agency would
impose on each designated recipient for a consumer report except that no charge may be
made for notifying such persons of the deletion of information which is found to be
inaccurate or which can no longer be verified.
- Reasonable Charges Allowed for Certain Disclosures:
- In general: Except as provided in subsections (b), (c), and (d), a consumer reporting
agency may impose a reasonable charge on a consumer-
- for making a disclosure to the consumer pursuant to Section 609, which charge-
- shall not exceed $8; and
- shall be indicated to the consumer before making the disclosure; and
- for furnishing, pursuant to Section 61l(d),
following a reinvestigation under Section 61l(a), a
statement, codification, or summary to a person designated by the consumer under that
section after the 30-day period beginning on the date of notification of the consumer
under paragraph (6) or (8) of Section 61l(a)
with respect to the reinvestigation, which charge-
- shall not exceed the charge that the agency would impose on each designated recipient
for a consumer report; and
- shall be indicated to the consumer before furnishing such information.
- Modification of amount: The Federal Trade Commission shall increase the amount referred
to in paragraph (l)(A)(i) on January 1 of each year, based proportionally on changes in
the Consumer Price Index, with fractional changes rounded to the nearest fifty cents.
- Free Disclosure After Adverse Notice to Consumer: Each consumer reporting agency that
maintains a file on a consumer shall make all disclosures pursuant to Section 609 without charge to the consumer if, not later than 60 days
after receipt by such consumer of a notification pursuant to Section 615, or of a notification from a debt collection agency affiliated
with that consumer reporting agency stating that the consumer's credit rating may be or
has been adversely affected, the consumer makes a request under Section 609.
- Free Disclosure Under Certain Other Circumstances: Upon the request of the consumer, a
consumer reporting agency shall make all disclosures pursuant to Section 609 once during any 12-month period without charge to that
consumer if the consumer certifies in writing that the consumer--
- is unemployed and intends to apply for employment in the 60-day period beginning on the
date on which the certification is made;
- is a recipient of public welfare assistance; or
- has reason to believe that the file on the consumer at the agency contains inaccurate
information due to fraud.
- Other Charges Prohibited: A consumer reporting agency shall not impose any charge on a
consumer for providing any notification required by this title or making any disclosure
required by this title, except as authorized by subsection (a).
Previous Section
. . . . . . . . . . . . . . . . . . . . . . . . . .
. . . . Next Section
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Section Index