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Ñ 8 ÑÑ Ç Ñ ÑÇ@ÑѰ°Ñ(ÖÃ9 Z‹(Times New Roman  Ñ À Ñ Ý ƒ ûý$ÝÓ  Óà  àòòÚ  Ú4Ú  ÚóóÝ  ÝÔ_ÔÔ€ô×hòXXÔÔ€¡ô;V òòô×hÔ€The€reporting€periods€have€been€lengthened€for€certain€adverse€information€pertaining€to€U.S.€Gov‚ern‚‚ƒÐ 8 Ðment€insured€or€guaranteed€student€loans,€or€pertaining€to€national€direct€student€loans.€€See€sections€430A(f)€andÐ Ï Ð463(c)(3)€of€the€Higher€Education€Act€of€1965,€20€U.S.C.€1080a(f)€and€20€U.S.C.€1087cc(c)(3),€respectively. ÑÇÇÑѰ°Ñ(œµƒ$¸¸à0  àà0` (#(#àà0¸ ` (#` (#àà0¸ (#¸ (#àÔ2Ô(Ú  ÚaÚ  Ú)Ô3  Ôà0h(#(#à(°Úp$¹¹à0  àà0` (#(#àà0¸ ` (#` (#àà0¸ (#¸ (#àà0h(#(#àÔ2Ô(Ú  ÚiÚ  Ú)Ô3  Ôà0Àh(#h(#à(éÙ$ººà0  àà0` (#(#àà0¸ ` (#` (#àà0¸ (#¸ (#àà0h(#(#àà0Àh(#h(#àÔ2ÔÚ  Ú1Ú  Ú)Ô3  Ôà0À(#À(#à(מ|$»»à0  àà0` (#(#àà0¸ ` (#` (#àà0¸ (#¸ (#àà0h(#(#àà0Àh(#h(#àà0À(#À(#àÔ2ÔÚ  ÚaÚ  Ú)Ô3  Ôà0p(#(#à(ÈhH  Z ‹6Times New Roman Regular ¶Ý ƒ ûý$ÝÓ  Óà  àòòÚ  Ú5Ú  ÚóóÝ  ÝÔ_ÔÔ€ô×hòXXÔÔ‡¥ô;V òòô×hÔ€This€provision,€added€in€September€1996,€should€read€ð ðparagraphs€(4)€and€òòò ò(5)ó óóó....ðð€€Prior€Section€605(a)(6)Ð 8 Ðwas€amended€and€re„designated€as€Section€605(a)(5)€in€November€1998.€€The€current€Section€Ô#†ô×hò ò¥ô;V~#ÔÔ‡¦ô;V òòô×hÔ605(a)(6),Ô#†ô×hò ò¦ô;V¬#ÔÔ‡¥ô;V òòô×hÔ€added€inÐ Ï ÐDecember€2003€and€now€containing€no€reference€to€any€7„year€period,€is€obviously€inapplicable.Ô#†ô×hò ò¥ô;Vø#Ô Ñ°°ÑÑÇ@Ñ(ÈhH  Z6Times New Roman Regular(ÈhH  Z6Times New Roman Regular YÝ ƒ ûý$ÝÓ  Óà  àòòÚ  Ú6Ú  ÚóóÝ  ÝÔ_ÔÔ€ô×hòXXÔÔ€Sô;V òòô×hÔ€Pursuant€to€Section€612(f)(2),€the€Federal€Trade€Commission€increased€the€maximum€charge€to€$11.00,Ð ° Ðeffective€January€1,€2009.€€See€73€Fed.€Reg.€79845€(Dec.€29,€2008). ñÝ ƒ ûý$ÝÓ  Óà  àòòÚ  Ú7Ú  ÚóóÝ  ÝÔ_ÔÔ‡ô×hòXXÔÔ‡¬ô;V òòô×hÔ€Pursuant€to€the€Federal€Civil€Penalties€Inflation€Adjustment€Act€of€1990,€the€Federal€Trade€CommissionÐ À Ðincreased€the€maximum€civil€penalty€to€$3,500€per€violation,€effective€February€9,€2009.€€See€74€Fed.€Reg.€857€(Jan.Ð Ï Ð9,€2009).Ô#†ô×hò ò¬ô;V~#ÔÔ#†X^Xòô×h_#Ô(ÖÃ9 Z‹(Times New Roman (;3£$´´Ô2#ÔÚ  Ú0Ú  Ú.Ô3  Ôà0  à(_ý$µµà0  àÔ2ÔÚ  ÚaÚ  Ú.Ô3  Ôà0` (#(#à(s ÿ$¶¶à0  àà0` (#(#àÔ2ÔÚ  ÚiÚ  Ú.Ô3  Ôà0¸ ` (#` (#à(ˆ;”$··à0  àà0` (#(#àà0¸ ` (#` (#àÔ2Ô(Ú  Ú1Ú  Ú)Ô3  Ôà0¸ (#¸ (#๹¹¹)øÿ!dxdx&ùÿp d Pd»»»»)ùÿ!dxdx&úÿp Pd d½¾½¾)öÿ!dxdx3øÿ+0 ÿÿÿd ÿÿÿd d3÷ÿ+0 d d d ÑÇÇÑ3#37=CIQYag­­1.a.i.(1)(a)(i)1)a) Ñ @ ÑÑ ° Ñ Ñ – ÑÑ ° Ñ ÑÇ@Ñ Ñ Ç Ñ ÑÇ@ÑÑ8°ÑÕÕÕÕ)óÿ!dxdxöÿ  d××××)ûÿ!dxdxüÿP PdÙÙÙÙ)ýÿ!dxdxþÿ dÛÛÛÛ)üÿ!dxdxýÿ d××)÷ÿ! dxdx)þÿ!dxdxßßßß)òÿ!dxdx&õÿP d d Ñ § Ñ Ñ / ÑѰ°Ñ Ñ@@ÑѰ°Ñ Ñ Ç ÑѰ°Ñ ÑÇ@ÑÝ ƒ‹³!ÝÑ  ÑÑ  ÑÓ  ÓÝ  ÝÔ_ÔÑǰÑÓ|°(°Ü4` Œ ¸ ä <h”ÀìDpœÈô Lx¤Ð ü!(#T$€%¬&Ø')0*\+ˆ,´-à. 081d2°œXÓò òÔ€X¦XXXÔÔ‡X¦XXX¦ÔÖ€7ÿÿÖÑ8€^XXdðdÈ8ÑÑòÈÑà Ü àà  àó óÔ#†X¦XXX¦#ÔÔ‡X¦XXX¦ÔÌÔ#†X¦XXX¦Ç#ÔÔ‡X¦XXX¦Ôò òà Ü àà  àà 4 àà ` àà Œ àà ¸ àà ä àà  àà < àà h àà ” àà À àà ì àà  àà D àà p àà œ àà È àà ô àà  àà L àà x àÌà@N N 6ìàԇîXX¦ÔTHE€FAIR€CREDIT€REPORTING€ACTˆÐ |Ì ÐÔ#†X¦XîG#Ôó óà Ü àÌà@ììDìàˆÌÒ°Òà Ü àAs€a€public€service,€the€staff€of€the€Federal€Trade€Commission€(FTC)€has€prepared€the€followƒÐ g · Ðing€complete€text€of€the€Fair€Credit€Reporting€Act€(FCRA),€15€U.S.C.€ðð€1681€et€seq.€€AlthoughÐ M  Ðstaff€generally€followed€the€format€of€the€U.S.€Code€as€published€by€the€Government€Printing€OfƒÐ 3 ƒ Ðfice,€the€format€of€this€text€does€differ€in€minor€ways€from€the€Code€(and€from€Westððs€U.S.€CodeÐ  i ÐAnnotated).€€For€example,€this€version€uses€FCRA€section€numbers€(ðððð€601„629)€in€the€headings.€Ð ÿ O  Ð(The€relevant€U.S.€Code€citation€is€included€with€each€section€heading€and€each€reference€to€theÐ å 5  ÐFCRA€in€the€text.)€€Although€the€staff€has€made€every€effort€to€transcribe€the€statutory€materialÐ Ë  Ðaccurately,€this€compendium€is€intended€only€as€a€convenience€for€the€public€and€not€a€subtituteÐ ±  Ðfor€the€text€in€the€U.S.€Code.Ô#†X¦XXX¦ #ÔÔ‡X¦XXX¦Ôà  àà < àà h àà ” àà À àà ì àà  àà D àà p àà œ àà È àà ô àà  àà L àà x àà ¤ àà Ð àà ü! àà (# àÐ —ç  Ðà Ü àÌà Ü àThis€version€of€the€FCRA€includes€the€amendmentsÔ#†X¦XXX¦é#ÔÔ‡X¦XXX¦Ô€to€the€FCRA€set€forth€in€the€ConsumerÐ c³  ÐCredit€Reporting€Reform€Act€of€1996€(Public€Law€104„208,€the€Omnibus€Consolidated€AppropriaƒÐ I™ Ðtions€Act€for€Fiscal€Year€1997,€Title€II,€Subtitle€D,€Chapter€1),€Section€311€of€the€IntelligenceÐ / ÐAuthorization€for€Fiscal€Year€1998€(Public€Law€105„107),€the€Consumer€Reporting€EmploymentÐ e ÐClarification€Act€of€1998€(Public€Law€105„347),€Section€506€of€the€Gramm„Leach„Bliley€ActÐ ûK Ð(Public€Law€106„102),€Sections€358(g)€and€505(c)€of€the€Uniting€and€Strengthening€America€byÐ á1 ÐProviding€Appropriate€Tools€Required€to€Intercept€and€Obstruct€Terrorism€Act€of€2001€Ô#†X¦XXX¦m #ÔÔ‡X¦XXX¦Ô(USAÐ Ç ÐPATRIOT€Act)€(Public€Law€107„56),€the€Fair€and€Accurate€Credit€Transactions€Act€of€2003Ð ­ý Ð(FACT€Act)€(Public€Law€108„159),€Section€719€of€the€Financial€Services€Regulatory€Relief€Act€ofÐ “ã Ð2006€(Public€Law€109„351),€Section€743€(Div.€D,€Title€VII)€of€the€Consolidated€AppropriationsÐ yÉ ÐAct€of€2008€(Public€Law€110„161),€the€Credit€and€Debit€Card€Receipt€Clarification€Act€of€2007Ð _¯ Ð(Public€Law€110„241),€and€Sections€205€and€302€of€the€Credit€Card€Accountability€ResponsibilityÐ E• Ðand€Disclosure€(CARD)€Act€of€2009€(Public€Law€111„24).Ô#†X¦XXX¦t #ÔÔ‡X¦XXX¦Ô€€The€Commission€website€Ô4‚.Ý žÔÝ‚jÍOÝÔÿÔòòÝ  ÝÔ5  ÔÔ6uÔÝ‚jÍO‰ƒÝóóÔÿÔÝ  ÝÔ7Ý ž·Ôposted€thisÐ +{ Ðdocument€on€ò òNovember€9,€2009ó óÔ#†X¦XXX¦=#ÔÔ‡X¦XXX¦Ô.Ð a ÐÔ#†X¦XXX¦#ÔÔ‡X¦XXX¦ÔÌà Ü à€The€provisions€added€to€the€FCRA€by€the€FACT€Act€became€effective€at€different€times.€€€InÐ Ý- Ðsome€cases,€the€provision€includes€its€own€effective€date.€€In€other€cases,€the€FACT€Act€providesÐ à  Ðthat€the€Ô#†X¦XXX¦×#ÔÔ‡XX¦XXX¦Ôeffective€dates€be€prescribed€by€the€FTC€and€Federal€Reserve€Board.€€See€16€CFR€PartÐ ©!ù  Ð602€(69€Fed.€Reg.€6526;€February€11,€2004)€(69€Fed.€Reg.€29061;€May€20,€2004).Ô#†X¦XXXX¦#ÔÐ "ß! 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àUnauthorized€disclosures€by€officers€or€employeesÐk¾#¾# Ððð621à  àà0 4 àAdministrative€enforcementÐQ4¾#4¾# Ððð622à0  àà 4 àInformation€on€overdue€child€support€obligationsÐç7¾#¾# Ððð623à  àà0 4 àResponsibilities€of€furnishers€of€information€to€consumer€reporting€agenciesÐÍ4¾#4¾# Ðò òó óðð624à0  àà 4 àAffiliate€sharingг¾#¾# Ððð625à  àà0 4 àRelation€to€state€lawsЙ é 4¾#4¾# Ððð626à0  àà 4 àDisclosures€to€FBI€for€counterintelligence€purposesÐ!Ï!¾#¾# Ððð627à0  àà04¾#¾#àDisclosures€to€governmental€agencies€for€counterterrorism€purposesÐe"µ"4¾#4¾# Ððð628à0  àà04¾#¾#àDisposal€of€recordsÐK#›#4¾#4¾# Ððð629à0  àà04¾#¾#àCorporate€and€technological€circumvention€prohibitedÐ 1$$4¾#4¾# ÐÒ°ÒÑ@ÇÑò òÑ€<ïc/ÑÑ€:OJSÑÑ€gç¢3ÑÑ€HOY=ÑÑ€`Þz>ÑÑ€pOJ?ÑÑ€@_œ2ÑÑ€;ïc ÑÑ€?ŽOÑÑ€DI ÑÑ€x1†"ÑÑ€Kw™ ÑÑ€Q!ÑÑ€6}N0ÑÑ€C!„1ÑÑ€{G<ÑÑ€ïcFÑÑ€F+ƒÑÑ€3‡•ÑÑ€TGÑÑ€›1†(ÑÑ€Zïc+ÑÑ€‚OYJÑÑ€¿§ÂQÑÑ€e„YHÑÑ€™?[ÑÑ€P‡•ÑÑ€y/]5ÑÑ€>ªœIÑÑ€c¥$KÑÑ€l„YÑÑ€mŠôÑÑ€¤9—ÑÑ€ANÑÑ€G`ÑÑ€Ew™ ÑÑ€n‡• ÑÑ€IËi ÑÑ€OWfÑÑ€æ`ÑÑ€MïcÑÑ€ŽïcÑÑ€ÄÑÑ€•”XÑÑ€–ýÑÑ€ÅïcÑÑ€ÆýEÑÑ€2ŽO#ÑÑ€B½‰$ÑÑ€ÁN%ÑÑ€êƒn&ÑÑ€ë×±'ÑÑ€}N)ÑÑ€= m*ÑÑ€~ŽO6Ñрė7ÑÑ€èËi8ÑÑ€é-q9ÑÑ€R·×:ÑÑ€Lý;ÑÑ€_ƒn@ÑÑ€a9ˆAÑÑ€^£YBÑÑ€,„YDÑÑ€1~EÑÑ€ƒnLÑÑ€5ýMÑÑ€Ã/OOÑÑ€Ä×±PÑðð601.€€Short€titleó óÐ ° ÐÌà Ü àThis€title€may€be€cited€as€the€ð ðFair€Credit€Reporting€Actðð.Ð |Ì ÐÌò òðð€602ó ó.€€ò òCongressional€findings€and€statement€of€purposeó ó€[15€U.S.C.€ðð€1681]Ð H˜ ЀÌÓ€ )(ÇE83ÀÓà Ü à(a)à0  àòòAccuracy€and€fairness€of€credit€reporting.óó€The€Congress€makes€the€following€findings:Ð d(#(# Ѐ€à0 Ü àà  àà 4 àà ` àà Œ àà ¸ àà ä àà  àà < àà h àà ” àÐú JÜ(#Ü(# ÐÓ€ (Ú08)ÓÝ"‚³ý"ÝÝ  Ýà Ü àÝ‚³ýï,Ýà0  àÔ2ÚÔ(Ú  Ú1Ú  Ú)Ô3  Ôà04(#(#àÝ  ÝThe€banking€system€is€dependent€upon€fair€and€accurate€credit€reporting.€InaccurateÐ à 0 Ðcredit€reports€directly€impair€the€efficiency€of€the€banking€system,€and€unfair€creditÐ Æ   Ðreporting€methods€undermine€the€public€confidence€which€is€essential€to€theÐ ¬ ü  Ðcontinued€functioning€of€the€banking€system.€Ýƒ³ýï,(-݌Вâ 4(#4(# ÐŒÝ  ÝÌ€€à0 Ü àà  à(2)à04Ü(#Ü(#àAn€elaborate€mechanism€has€been€developed€for€investigating€and€evaluating€theÐ ^®  Ðcredit€worthiness,€credit€standing,€credit€capacity,€character,€and€general€reputation€ofÐ D”  Ðconsumers.Ð*z 4(#4(# ÐÌ€à0 Ü àà  à(3)à04Ü(#Ü(#àConsumer€reporting€agencies€have€assumed€a€vital€role€in€assembling€and€evaluatingÐ öF Ðconsumer€credit€and€other€information€on€consumers.€ÐÜ,4(#4(# ÐÌà0 Ü à€€€à  à(4)à04Ü(#Ü(#àThere€is€a€need€to€insure€that€consumer€reporting€agencies€exercise€their€graveÐ ¨ø Ðresponsibilities€with€fairness,€impartiality,€and€a€respect€for€the€consumer's€right€toÐ ŽÞ Ðprivacy.ÐtÄ4(#4(# ÐÌÓ€ (G 80Óà Ü à(b)à0  àòòReasonable€procedures.óó€It€is€the€purpose€of€this€title€to€require€that€consumer€reportingÐ @ Ðagencies€adopt€reasonable€procedures€for€meeting€the€needs€of€commerce€for€consumerÐ &v Ðcredit,€personnel,€insurance,€and€other€information€in€a€manner€which€is€fair€andÐ  \ Ðequitable€to€the€consumer,€with€regard€to€the€confidentiality,€accuracy,€relevancy,€andÐ òB Ðproper€utilization€of€such€information€in€accordance€with€the€requirements€of€this€title.€€ÐØ((#(# ÐÌò òðð€603.€€Definitions;€rules€of€constructionó ó€[15€U.S.C.€ðð1681a]ò òÐ ¤ô Ðó óÌ€à Ü à(a)à0  àDefinitions€and€rules€of€construction€set€forth€in€this€section€are€applicable€for€theÐ p!À  Ðpurposes€of€this€title.€ÐV"¦!(#(# ÐÌØ! !ØÓ€ !(W08 Ó€à Ü à(b)à0  àThe€term€ð ðpersonðð€means€any€individual,€partnership,€corporation,€trust,€estate,Ð "$r# Ðcooperative,€association,€government€or€governmental€subdivision€or€agency,€or€otherÐ %X $ Ðentity.Ðî%>!%(#(# ÐÌà Ü àÔ_Ô(c)Ô_Ôà0  àThe€term€ð ðconsumerðð€means€an€individual.к' #'(#(# ÐÌ€à Ü à(d)à0  àConsumer€ReportІ)Ö$)(#(# ÐÌà Ü àà  à(1)à0 4 àòòIn€general.óó€€The€term€"consumer€report"€means€any€written,€oral,€or€otherÐ R+¢&+ Ðcommunication€of€any€information€by€a€consumer€reporting€agency€bearing€on€aÐ 8,ˆ', Ðconsumer's€credit€worthiness,€credit€standing,€credit€capacity,€character,€generalÐ -n(- Ðâ âreputation,€personal€characteristics,€or€mode€of€living€which€is€used€or€expected€to€beÐ .T). ÐÑ /¿[¤9—Ñâ /âÑ„@Ñâ ¤/âѰ°ÑÑÇ„Ñâ ¤âÑ  Ñused€or€collected€in€whole€or€in€part€for€the€purpose€of€serving€as€a€factor€inÐ ° Ðestablishing€the€consumer's€eligibility€forЖæ4(#4(# Ðâ âà Ü àà  àà 4 àÌà0 Ü àà0Ü(#Ü(#à€€€€à04(#(#à(A)à0Œ 4(#4(#àcredit€or€insurance€to€be€used€primarily€for€personal,€family,€or€householdÐ b² Ðpurposes;ÐH˜Œ (#Œ (# Ѐ€Ð . ~ Ðà Ü àà  à€€€€à0 4 à(B)à0Œ 4(#4(#àemployment€purposes;€or€Ð dŒ (#Œ (# ÐÌà Ü àà  à€€€€à0 4 àÔ_Ô(C)Ô_Ôà0Œ 4(#4(#àany€other€purpose€authorized€under€section€604€[ðð1681b].€Ðà 0Œ (#Œ (# ÐÌà0 Ü àà  à(2)à04Ü(#Ü(#àòòExclusions.€óó€Except€as€provided€in€paragraph€(3),€the€term€"consumer€report"€doesÐ ¬ ü  Ðnot€include€€€€€Ð’â 4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#à€à04(#(#à(A)à0Œ 4(#4(#àsubject€to€section€624,€any€€€Ð^® Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà ` à(i)à0Œ 4(#4(#àà0¸ Œ (#Œ (#àreport€containing€information€solely€as€to€transactions€or€experiencesÐ *z  Ðbetween€the€consumer€and€the€person€making€the€report;€Ð`¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà ` à(ii)à0Œ 4(#4(#àà0¸ Œ (#Œ (#àcommunication€of€that€information€among€persons€related€by€commonÐ Ü, Ðownership€or€affiliated€by€corporate€control;€orи (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà ` à(iii)à0¸ 4(#4(#àcommunication€of€other€information€among€persons€related€by€commonÐ ŽÞ Ðownership€or€affiliated€by€corporate€control,€if€it€is€clearly€andÐ tÄ Ðconspicuously€disclosed€to€the€consumer€that€the€information€may€beÐ Zª Ðcommunicated€among€such€persons€and€the€consumer€is€given€theÐ @ Ðopportunity,€before€the€time€that€the€information€is€initiallyÐ &v Ðcommunicated,€to€direct€that€such€information€not€be€communicatedÐ  \ Ðamong€such€persons;ÐòB¸ (#¸ (# Ðà0 Ü àà0Ü(#Ü(#àà 4 àÐ (#(# Ðà Ü àà  àà 4 à(B)à0 Œ àany€authorization€or€approval€of€a€specific€extension€of€credit€directly€or€à ü! àà @ü! àÐ ¾ Ðindirectly€by€the€issuer€of€a€credit€card€or€similar€device;€Ð¤ôŒ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#à€€€€àHÐÐÐàˆà 4 àÔ_Ô(C)Ô_Ôà0Œ (#(#àany€report€in€which€a€person€who€has€been€requested€by€a€third€party€to€makeÐ p!À  Ða€specific€extension€of€credit€directly€or€indirectly€to€a€consumer€conveys€hisÐ V"¦! Ðor€her€decision€with€respect€to€such€request,€if€the€third€party€advises€theÐ <#Œ" Ðconsumer€of€the€name€and€address€of€the€person€to€whom€the€request€wasÐ "$r# Ðmade,€and€such€person€makes€the€disclosures€to€the€consumer€required€underÐ %X $ Ðsection€615€[ðð1681m];€orÐî%>!%Œ (#Œ (# Ðà Ü àà  àà 4 àà ` àà Œ àà ¸ àà ä àà  àà < àà h àà ” àÌà0 Ü àà  à€€€€à04Ü(#Ü(#à(D)à0Œ 4(#4(#àa€communication€described€in€subsection€(o)€or€(x).к' #'Œ (#Œ (# Ðà Ü àÌà0 Ü àà ° àà Ü àà  à(3)à04Ü(#Ü(#àòòRestriction€on€sharing€of€medical€information.€óó€Except€for€information€or€anyÐ †)Ö$) Ðcommunication€of€information€disclosed€as€provided€in€section€604(g)(3),€theÐ l*¼%* Ðexclusions€in€paragraph€(2)€shall€not€apply€with€respect€to€information€disclosed€toÐ R+¢&+ Ðany€person€related€by€common€ownership€or€affiliated€by€corporate€control,€if€theÐ 8,ˆ', Ðinformation€isÔ_Ô--Ô_ÔÐ-n(-4(#4(# ÐÌà Ü àà  àà 4 à(A)€à0 Œ àmedical€information;Ðê.:*/Œ (#Œ (# ÐÐ Ð/ +0 ÐÑ 0OaANÑâ 0âѰÇÑâ A0âÑ@°ÑѰ°Ñâ AâÑ  Ñà0 Ü àà0Ü(#Ü(#àà Ü àà  àà 4 à(B)à0Œ (#(#àan€individualized€list€or€description€based€on€the€payment€transactions€of€the€€Ð ° Ðconsumer€for€medical€products€or€services;€orÐ–æŒ (#Œ (# ÐÌà Ü àà  àà 4 àÔ_Ô(C)Ô_Ôà0 Œ àan€aggregate€list€of€identified€consumers€based€on€payment€transactions€forÐ b² Ðmedical€products€or€services.ÐH˜Œ (#Œ (# ÐÌà Ü à(e)à0  àThe€term€ð ðinvestigative€consumer€reportðð€means€a€consumer€report€or€portion€€thereof€inÐ  d Ðwhich€information€on€a€consumer's€character,€general€reputation,€personal€characteristics,Ð ú J Ðor€mode€of€living€is€obtained€through€personal€interviews€with€neighbors,€friends,€orÐ à 0 Ðassociates€of€the€consumer€reported€on€or€with€others€with€whom€he€is€acquainted€or€whoÐ Æ   Ðmay€have€knowledge€concerning€any€such€items€of€information.€However,€such€informaƒÐ ¬ ü  Ðtion€shall€not€include€specific€factual€information€on€a€consumer's€credit€record€obtainedÐ ’â  Ðdirectly€from€a€creditor€of€the€consumer€or€from€a€consumer€reporting€agency€when€suchÐ xÈ  Ðinformation€was€obtained€directly€from€a€creditor€of€the€consumer€or€from€the€consumer.Ð^® (#(# ÐÌà Ü à(f)à0  àThe€term€ð ðconsumer€reporting€agencyðð€means€any€person€which,€for€monetary€fees,€dues,Ð *z  Ðor€on€a€cooperative€nonprofit€basis,€regularly€engages€in€whole€or€in€part€in€the€practiceÐ ` Ðof€assembling€or€evaluating€consumer€credit€information€or€other€information€onÐ öF Ðconsumers€for€the€purpose€of€furnishing€consumer€reports€to€third€parties,€and€which€usesÐ Ü, Ðany€means€or€facility€of€interstate€commerce€for€the€purpose€of€preparing€or€furnishingÐ Â Ðconsumer€reports.Шø(#(# ЀÌà Ü à(g)à0  àThe€term€ð ðfile,ðð€when€used€in€connection€with€information€on€any€consumer,€means€allÐ tÄ Ðof€the€information€on€that€consumer€recorded€and€retained€by€a€consumer€reportingÐ Zª Ðagency€regardless€of€how€the€information€is€stored.€Ð@(#(# ÐÌà Ü à(h)à0  àThe€term€ð ðemployment€purposesðð€when€used€in€connection€with€a€consumer€reportÐ  \ Ðmeans€a€report€used€for€the€purpose€of€evaluating€a€consumer€for€employment,Ð òB Ðpromotion,€reassignment€or€retention€as€an€employee.€ÐØ((#(# ÐÌà Ü à(i)€The€term€ð ðmedical€informationðð€--Ð ¤ô ÐÌà Ü àà  à(1)à0 4 àmeans€information€or€data,€whether€oral€or€recorded,€in€any€form€or€medium,€createdÐ p!À  Ðby€or€derived€from€a€health€care€provider€or€the€consumer,€that€relates€to--ÐV"¦!4(#4(# Ðà Ü àÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(A)à0Œ 4(#4(#àthe€past,€present,€or€future€physical,€mental,€or€behavioral€health€or€conditionÐ "$r# Ðof€€an€individual;Ð%X $Œ (#Œ (# ÐÌà Ü àà  àà 4 à(B)€à0 Œ àthe€provision€of€health€care€to€an€individual;€orÐÔ&$"&Œ (#Œ (# ÐÌà Ü àà  àà 4 àÔ_Ô(C)Ô_Ô€à0 Œ àthe€payment€for€the€provision€of€health€care€to€an€individual.Р(ð#(Œ (#Œ (# Ðà Ü àÌà0 Ü àà  àà04Ü(#Ü(#àà  à(2)€does€not€include€the€age€or€gender€of€a€consumer,€demographic€information€about€theÐ l*¼%* Ðconsumer,€including€a€consumer's€residence€address€or€e-mail€address,€or€any€otherÐ R+¢&+ Ðinformation€about€a€consumer€that€does€not€relate€to€the€physical,€mental,€orÐ 8,ˆ', Ðbehavioral€health€or€condition€of€a€consumer,€including€the€existence€or€value€of€anyÐ -n(- Ðinsurance€policy.Ð.T).4(#4(# ÐòòóóÐ ê.:*/ Ðà Ü à(j)à0  àDefinitions€Relating€to€Child€Support€Obligationsа(#(# ÐÌà Ü àà  à(1)à0 4 àThe€ð ðoverdue€supportðð€has€the€meaning€given€to€such€term€in€section€666(e)€of€titleÐ |Ì Ð42€[Social€Security€Act,€42€U.S.C.€ðð€666(e)].€Ðb²4(#4(# ÐÌà Ü àà  à(2)à0 4 àThe€term€ð ðState€or€local€child€support€enforcement€agencyðð€means€a€State€or€localÐ . ~ Ðagency€which€administers€a€State€or€local€program€for€establishing€and€enforcingÐ  d Ðchild€support€obligations.€€Ðú J4(#4(# ÐÌà Ü à(k)à0  àAdverse€ActionÐÆ  (#(# ÐÌà0 Ü àà0Ü(#Ü(#à(1)à04(#(#àòòActions€included.€óó€The€term€ð ðadverse€actionððÐ’â 4(#4(# ÐÌ€€€€€à0 Ü àà0Ü(#Ü(#àà04(#(#à(A)à0Œ 4(#4(#àhas€the€same€meaning€as€in€section€701(d)(6)€of€the€Equal€Credit€OpportunityÐ ^®  ÐAct;€andÐD” Œ (#Œ (# ÐÌ€€€€€€€à0  àà04(#(#à(B)€à0Œ 4(#4(#àmeansÐ`Œ (#Œ (# ÐÌ€€€€€€€à  àà0 4 àà ` à(i)à0Œ 4(#4(#àà0¸ Œ (#Œ (#àa€denial€or€cancellation€of,€an€increase€in€any€charge€for,€or€a€reduction€orÐ Ü, Ðother€adverse€or€unfavorable€change€in€the€terms€of€coverage€or€amountÐ Â Ðof,€any€insurance,€existing€or€applied€for,€in€connection€with€theÐ ¨ø Ðunderwriting€of€insurance;ÐŽÞ¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà ` à(ii)à0Œ 4(#4(#àà0¸ Œ (#Œ (#àa€denial€of€employment€or€any€other€decision€for€employment€purposesÐ Zª Ðthat€adversely€affects€any€current€or€prospective€employee;Ð@¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà ` à(iii)€à0¸ 4(#4(#àa€denial€or€cancellation€of,€an€increase€in€any€charge€for,€or€any€otherÐ  \ Ðadverse€or€unfavorable€change€in€the€terms€of,€any€license€or€benefitÐ òB Ðdescribed€in€section€604(a)(3)(D)€[ðð1681b];€andÐØ(¸ (#¸ (# ÐÌ€€€€à0 Ü àà0Ü(#Ü(#àà 4 àà ` à(iv)€à0¸ (#(#àan€action€taken€or€determination€that€is€€Ð¤ô¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà0` 4(#4(#àà0Œ ` (#` (#à(I)à0¸ Œ (#Œ (#àà0ä ¸ (#¸ (#àmade€in€connection€with€an€application€that€was€made€by,€or€aÐ p!À  Ðtransaction€that€was€initiated€by,€any€consumer,€or€in€connection€withÐ V"¦! Ða€review€of€an€account€under€section€604(a)(3)(F)(ii)[ðð1681b];€andÐ<#Œ"ä (#ä (# ÐÌ€€€€€€€à0  àà04(#(#àà0` 4(#4(#àà0Œ ` (#` (#à(II)à0ä Œ (#Œ (#àadverse€to€the€interests€of€the€consumer.Ð%X $ä (#ä (# ÐÌà Ü àà0  à(2)à04(#(#àòòApplicable€findings,€decisions,€commentary,€and€orders.€óó€For€purposes€of€anyÐ Ô&$"& Ðdetermination€of€whether€an€action€is€an€adverse€action€under€paragraph€(1)(A),€allÐ º' #' Ðappropriate€final€findings,€decisions,€commentary,€and€orders€issued€under€sectionÐ  (ð#( Ð701(d)(6)€of€the€Equal€Credit€Opportunity€Act€by€the€Board€of€Governors€of€theÐ †)Ö$) ÐFederal€Reserve€System€or€any€court€shall€apply.Ðl*¼%*4(#4(# ÐÌà Ü à(òòlóó)à0  àThe€term€ð ðfirm€offer€of€credit€or€insuranceðð€means€any€offer€of€credit€or€insurance€to€aÐ 8,ˆ', Ðconsumer€that€will€be€honored€if€the€consumer€is€determined,€based€on€information€in€aÐ -n(- Ðâ âconsumer€report€on€€the€consumer,€to€meet€the€specific€criteria€used€to€select€theÐ .T). Ðconsumer€for€the€offer,€except€that€the€offer€may€be€further€conditioned€on€one€or€moreÐ ° Ðof€the€following:Жæ(#(# Ðâ âÌà0 Ü àà  à(1)à04Ü(#Ü(#àThe€consumer€being€determined,€based€on€information€in€the€consumer's€applicationÐ b² Ðfor€the€credit€or€insurance,€to€meet€specific€criteria€bearing€on€credit€worthiness€orÐ H˜ Ðinsurability,€as€applicable,€that€are€established€€Ð. ~4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#àà 4 à(A)à0Œ (#(#àbefore€selection€of€the€consumer€for€the€offer;€andÐú JŒ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#à€€€à04(#(#à(B)à0Œ 4(#4(#àfor€the€purpose€of€determining€whether€to€extend€credit€or€insurance€pursuantÐ Æ   Ðto€the€offer.Ь ü Œ (#Œ (# ÐÌà0 Ü àà  à(2)€Verification€€ÐxÈ Ü(#Ü(# ÐÌà0 Ü àà  à€€€€à04Ü(#Ü(#à(A)à0Œ 4(#4(#àthat€the€consumer€continues€to€meet€the€specific€criteria€used€to€select€theÐ D”  Ðconsumer€for€the€offer,€by€using€information€in€a€consumer€report€on€theÐ *z  Ðconsumer,€information€in€the€consumer's€application€for€the€credit€orÐ ` Ðinsurance,€or€other€information€bearing€on€the€credit€worthiness€or€insurabilityÐ öF Ðof€the€consumer;€orÐÜ,Œ (#Œ (# ÐÌà Ü à€€€€€à0  àà04(#(#à(B)à0Œ 4(#4(#àof€the€information€in€the€consumer's€application€for€the€credit€or€insurance,€toÐ ¨ø Ðdetermine€that€the€consumer€meets€the€specific€criteria€bearing€on€creditÐ ŽÞ Ðworthiness€or€insurability.ÐtÄŒ (#Œ (# ÐÌà0 Ü àà  à(3)à04Ü(#Ü(#àThe€consumer€furnishing€any€collateral€that€is€a€requirement€for€the€extension€of€theÐ @ Ðcredit€or€insurance€that€was€€Ð&v4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#à€€€€à04(#(#à(A)à0Œ 4(#4(#àestablished€before€selection€of€the€consumer€for€the€offer€of€credit€orÐ òB Ðinsurance;€andÐØ(Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#à€€€à04(#(#à(B)€à0Œ 4(#4(#àdisclosed€to€the€consumer€in€the€offer€of€credit€or€insurance.ФôŒ (#Œ (# ÐÌ€€€€(m)à0  àThe€term€ð ðcredit€or€insurance€transaction€that€is€not€initiated€by€the€consumerðð€does€notÐ p!À  Ðinclude€the€use€of€a€consumer€report€by€a€person€with€which€the€consumer€has€an€accountÐ V"¦! Ðor€insurance€policy,€for€purposes€of€€Ð<#Œ"(#(# ÐÌà0 Ü àà0Ü(#Ü(#à(1)à04(#(#à€reviewing€the€account€or€insurance€policy;€orÐ%X $4(#4(# ÐÌà0 Ü àà  à(2)à04Ü(#Ü(#à€collecting€the€account.ÐÔ&$"&4(#4(# ÐÌà Ü à(n)à0  àThe€term€ð ðStateðð€means€any€State,€the€Commonwealth€of€Puerto€Rico,€the€District€ofÐ  (ð#( ÐColumbia,€and€any€territory€or€possession€of€the€United€States.І)Ö$)(#(# ÐÌà Ü à(o)à0  àòòExcluded€communications.óó€€A€communication€is€described€in€this€subsection€if€it€is€aÐ R+¢&+ Ðcommunication€€€Ð8,ˆ',(#(# ÐÌà0 Ü àà  à(1)à04Ü(#Ü(#àthat,€but€for€subsection€(d)(2)(D),€would€be€an€investigative€consumer€report;Ð.T).4(#4(# ÐÐ ê.:*/ ÐÑl„YÑâ lâѰ°ÑÑÇ@Ñâ lâÑ  Ñà0 Ü àà  à(2)à04Ü(#Ü(#àthat€is€made€to€a€prospective€employer€for€the€purpose€ofа4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#àà 4 à(A)à0Œ (#(#àprocuring€an€employee€for€the€employer;€orÐ|ÌŒ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà 4 à(B)€à0Œ (#(#àprocuring€an€opportunity€for€a€natural€person€to€work€for€the€employer;ÐH˜Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#à(3)à04(#(#àthat€is€made€by€a€person€who€regularly€performs€such€procurement;Ð d4(#4(# ÐÌà0 Ü àà  à(4)à04Ü(#Ü(#àthat€is€not€used€by€any€person€for€any€purpose€other€than€a€purpose€described€inÐ à 0 Ðsubparagraph€(A)€or€(B)€of€paragraph€(2);€andÐÆ  4(#4(# ÐÌà0 Ü àà  à(5)à04Ü(#Ü(#àwith€respect€to€whichÐ’â 4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#àà 4 à(A)à0Œ (#(#àthe€consumer€who€is€the€subject€of€the€communicationÐ^® Œ (#Œ (# Ðà0 Ü àÐ Ü(#Ü(# Ðà0 Ü àà0Ü(#Ü(#àà04(#(#àà ` à(i)€à0Œ 4(#4(#àà0¸ Œ (#Œ (#àconsents€orally€or€in€writing€to€the€nature€and€scope€of€the€communicaƒÐ *z  Ðtion,€before€the€collection€of€any€information€for€the€purpose€of€makingÐ ` Ðthe€communication;ÐöF¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà ` à(ii)à0Œ 4(#4(#àà0¸ Œ (#Œ (#àconsents€orally€or€in€writing€to€the€making€of€the€communication€to€aÐ Â Ðprospective€employer,€before€the€making€of€the€communication;€andШø¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà ` à(iii)à0¸ 4(#4(#àin€the€case€of€consent€under€clause€(i)€or€(ii)€given€orally,€is€providedÐ tÄ Ðwritten€confirmation€of€that€consent€by€the€person€making€the€communiƒÐ Zª Ðcation,€not€later€than€3€business€days€after€the€receipt€of€the€consent€byÐ @ Ðthat€person;Ð&v¸ (#¸ (# ÐÌÒ°Òà0 Ü àà  àà 4 à(B)à0Œ ܾ#ܾ#àthe€person€who€makes€the€communication€does€not,€for€the€purpose€of€makingÐ òB Ðthe€communication,€make€any€inquiry€that€if€made€by€a€prospective€employer€ofÐ Ø( Ðthe€consumer€who€is€the€subject€of€the€communication€would€violate€any€appliƒÐ ¾ Ðcable€Federal€or€State€equal€employment€opportunity€law€or€regulation;€andФôŒ ¾#Œ ¾# ÐÌà0 Ü àà0ܾ#ܾ#àà 4 àÔ_Ô(C)Ô_Ô€à0Œ ¾#¾#àthe€person€who€makes€the€communicationÐp!À Œ ¾#Œ ¾# ÐÌÒ°Òà0 Ü àà0Ü(#Ü(#àà04(#(#àà ` à(i)à0Œ 4(#4(#àà0¸ Œ (#Œ (#àdiscloses€in€writing€to€the€consumer€who€is€the€subject€of€the€communicaƒÐ <#Œ" Ðtion,€not€later€than€5€business€days€after€receiving€any€request€from€theÐ "$r# Ðconsumer€for€such€disclosure,€the€nature€and€substance€of€all€informationÐ %X $ Ðin€the€consumer's€file€at€the€time€of€the€request,€except€that€the€sources€ofÐ î%>!% Ðany€information€that€is€acquired€solely€for€use€in€making€the€communicaƒÐ Ô&$"& Ðtion€and€is€actually€used€for€no€other€purpose,€need€not€be€disclosed€otherÐ º' #' Ðthan€under€appropriate€discovery€procedures€in€any€court€of€competentÐ  (ð#( Ðjurisdiction€in€which€an€action€is€brought;€andІ)Ö$)¸ (#¸ (# Ðà Ü àÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà ` à(ii)à0Œ 4(#4(#àà0¸ Œ (#Œ (#ànotifies€the€consumer€who€is€the€subject€of€the€communication,€in€writing,Ð R+¢&+ Ðof€the€consumer's€right€to€request€the€information€described€in€clause€(i).Ð8,ˆ',¸ (#¸ (# ÐÌà Ü à(p)à0  àThe€term€ð ðconsumer€reporting€agency€that€compiles€and€maintains€files€on€consumers€onÐ .T). Ða€nationwide€basisðð€means€a€consumer€reporting€agency€that€regularly€engages€in€theÐ ê.:*/ Ðpractice€of€assembling€or€evaluating,€and€maintaining,€for€the€purpose€of€furnishing€conƒÐ Ð/ +0 ÐÑmŠô Ñâ mâÑ òÑâ mâÑ  ÑÔ_ÔsumerÔ_Ô€reports€to€third€parties€bearing€on€a€consumerððs€credit€worthiness,€credit€standing,Ð ° Ðor€credit€capacity,€each€of€the€following€regarding€consumers€residing€nationwide:Жæ(#(# ÐÌà0 Ü àà  à(1)à04Ü(#Ü(#àPublic€record€information.Ðb²4(#4(# ÐÌà0 Ü àà  à(2)à04Ü(#Ü(#àCredit€account€information€from€persons€who€furnish€that€information€regularly€andÐ . ~ Ðin€the€ordinary€course€of€business.Ð d4(#4(# ÐÌà Ü à(q)€Definitions€relating€to€fraud€alerts.Ð à 0 ÐÌà0 Ü àà0Ü(#Ü(#à(1)à04(#(#àThe€term€ð ðactive€duty€military€consumerðð€means€a€consumer€in€military€service€whoð!ð€Ð¬ ü 4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#àà 4 à(A)à0Œ (#(#àis€on€active€duty€(as€defined€in€section€101(d)(1)€of€title€10,€United€StatesÐ xÈ  ÐCode)€or€is€a€reservist€performing€duty€under€a€call€or€order€to€active€dutyÐ ^®  Ðunder€a€provision€of€law€referred€to€in€section€101(a)(13)€of€title€10,€UnitedÐ D”  ÐStates€Code;€andÐ*z Œ (#Œ (# ÐÌà Ü àà  àà 4 à(B)€à0 Œ àis€assigned€to€service€away€from€the€usual€duty€station€of€the€consumer.ÐöFŒ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#à(2)à04(#(#àThe€terms€ð ðfraud€alertðð€and€ð ðactive€duty€alertðð€mean€a€statement€in€the€file€of€aÐ Â Ðconsumer€that--Шø4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#àà 4 à(A)à0Œ (#(#ànotifies€all€prospective€users€of€a€consumer€report€relating€to€the€consumerÐ tÄ Ðthat€the€consumer€may€be€a€victim€of€fraud,€including€identity€theft,€or€is€anÐ Zª Ðactive€duty€military€consumer,€as€applicable;€andÐ@Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà 4 à(B)à0Œ (#(#àis€presented€in€a€manner€that€facilitates€a€clear€and€conspicuous€view€of€theÐ  \ Ðstatement€described€in€subparagraph€(A)€by€any€person€requesting€suchÐ òB Ðconsumer€report.òòò òóóó óÐØ(Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#à(3)à04(#(#àThe€term€ð ðidentity€theftðð€means€a€fraud€committed€using€the€identifying€informationÐ ¤ô Ðof€another€person,€subject€to€such€further€definition€as€theЊ Ú4(#4(# ÐÒX°Òà Ü àà  àà 4 àCommission€may€prescribe,€by€regulation.à€ššf€%àòòò òSee€also€16€CFR€Part€603.2ˆÐ p!À  Ðà€ÆÆc€%à69€Fed.€Reg.€63922€(11/03/04)Ô‡ȦXXX¦ÔˆÐ V"¦! Ðà Ü àà0  àÐ €%€% ÐÔ#†X¦XXȦ¬•#Ôóóó óÒ°XÒà0 Ü àà0Ü(#Ü(#à(4)à04(#(#àThe€term€ð ðidentity€theft€reportðð€has€the€meaning€given€that€term€by€rule€of€theÐ "$r# ÐCommission,€and€means,€at€a€minimum,€a€report--Ð%X $4(#4(# Ðòòò òà€BB^(#àSee€also€16€CFR€Part€603.3ˆÐ î%>!% Ðó óóóà Ü àà  àà 4 à(A)€à0 Œ àthat€alleges€an€identity€theft;òòò òà€nn[(#Œ (#Œ (#à69€Fed.€Reg.€63922€(11/03/04)ˆÐ Ô&$"& Ðóóó óÌà0 Ü àà0Ü(#Ü(#àà 4 à(B)€à0Œ (#(#àthat€is€a€copy€of€an€official,€valid€report€filed€by€a€consumer€with€anÐ  (ð#( Ðappropriate€Federal,€State,€or€local€law€enforcement€agency,€including€theÐ †)Ö$) ÐUnited€States€Postal€Inspection€Service,€or€such€other€government€agencyÐ l*¼%* Ðdeemed€appropriate€by€the€Commission;€andÐR+¢&+Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà 4 àÔ_Ô(C)Ô_Ôà0Œ (#(#àthe€filing€of€which€subjects€the€person€filing€the€report€to€criminal€penaltiesÐ -n(- Ðrelating€to€the€filing€of€false€information€if,€in€fact,€theÐ.T).Œ (#Œ (# ÐÒ£°Òà Ü àà  àà 4 àà ` àà Œ àinformation€in€the€report€is€false.òòò òÔ€,¦XXX¦ÔÐ ê.:*/ ÐÐ Ð/ +0 ÐÑG` Ñâ GâѧÇÑâ GâÑ  Ñóóó óÒ°£Òà0 Ü àà0Ü(#Ü(#à(5)à04(#(#àThe€term€ð ðnew€credit€planðð€means€a€new€account€under€an€open€end€credit€plan€(asÐ ° Ðdefined€in€section€103(i)€of€the€Truth€in€Lending€Act)€or€a€new€credit€transaction€notÐ –æ Ðunder€an€open€end€credit€plan.Ð|Ì4(#4(# ÐÌà Ü àÔ_Ô(r)Ô_Ô€Credit€and€Debit€Related€TermsÐ H˜ ÐÌà Ü àà  à(1)€The€term€ð ðcard€issuerðð€means--Ð  d ÐÌà Ü àà  àà 4 à(A)€à0 Œ àa€credit€card€issuer,€in€the€case€of€a€credit€card;€andÐà 0Œ (#Œ (# ÐÌà Ü àà  àà 4 à(B)€à0 Œ àa€debit€card€issuer,€in€the€case€of€a€debit€card.Ь ü Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#à(2)à04(#(#àThe€term€ð ðcredit€cardðð€has€the€same€meaning€as€in€section€103€of€the€Truth€inÐ xÈ  ÐLending€Act.Ð^® 4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#à(3)à04(#(#àThe€term€ð ðdebit€cardðð€means€any€card€issued€by€a€financial€institution€to€a€consumerÐ *z  Ðfor€use€in€initiating€an€electronic€fund€transfer€from€the€account€of€the€consumer€atÐ ` Ðsuch€financial€institution,€for€the€purpose€of€transferring€money€between€accounts€orÐ öF Ðobtaining€money,€property,€labor,€or€services.ÐÜ,4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#à(4)à04(#(#àThe€terms€ð ðaccountðð€and€ð ðelectronic€fund€transferðð€have€the€same€meanings€as€inÐ ¨ø Ðsection€903€of€the€Electronic€Fund€Transfer€Act.ÐŽÞ4(#4(# Ðà Ü àà  àà 4 àà ` àà Œ àà ¸ àà ä àà  àà < àà h àà ” àà À àà ì àà  àà D àà p àà œ àà È àÌà0 Ü àà0Ü(#Ü(#à(5)à04(#(#àThe€terms€ð ðcreditðð€and€ð ðcreditorðð€have€the€same€meanings€as€in€section€702€of€theÐ Zª ÐEqual€Credit€Opportunity€Act.Ð@4(#4(# ÐÌà0 Ü à(s)à0Ü(#Ü(#àThe€term€ð ðFederal€banking€agencyðð€has€the€same€meaning€as€in€section€3€of€the€FederalÐ  \ ÐDeposit€Insurance€Act.ÐòB(#(# ÐÌà0 Ü à(t)à0Ü(#Ü(#àThe€term€ð ðfinancial€institutionðð€means€a€State€or€National€bank,€a€State€or€FederalÐ ¾ Ðsavings€and€loan€association,€a€mutual€savings€bank,€a€State€or€Federal€credit€union,€orÐ ¤ô Ðany€other€person€that,€directly€or€indirectly,€holds€a€transaction€account€(as€defined€inÐ Š Ú Ðsection€19(b)€of€the€Federal€Reserve€Act)€belonging€to€a€consumer.Ðp!À (#(# ÐÌà Ü à(u)€The€term€ð ðresellerðð€means€a€consumer€reporting€agency€that--Ð <#Œ" ÐÌà0 Ü àà  à(1)à04Ü(#Ü(#àassembles€and€merges€information€contained€in€the€database€of€another€consumerÐ %X $ Ðreporting€agency€or€multiple€consumer€reporting€agencies€concerning€any€consumerÐ î%>!% Ðfor€purposes€of€furnishing€such€information€to€any€third€party,€to€the€extent€of€suchÐ Ô&$"& Ðactivities;€and€Ðº' #'4(#4(# ÐÌà0 Ü àà  à(2)à04Ü(#Ü(#àdoes€not€maintain€a€database€of€the€assembled€or€merged€information€from€whichÐ †)Ö$) Ðnew€consumer€reports€are€produced.Ðl*¼%*4(#4(# ÐÌà Ü à(v)€The€term€ð ðCommissionðð€means€the€Federal€Trade€Commission.Ð 8,ˆ', Ðâ âÐ -n(- Ѐ€€€€(w)à0  àThe€term€ð ðnationwide€specialty€consumer€reporting€agencyðð€means€a€consumer€reportingÐ ° Ðâ âagency€that€compiles€and€maintains€files€on€consumers€on€a€nationwide€basis€relating€to--Жæ(#(# ÐÌà Ü àà  à(1)€medical€records€or€payments;Ð b² ÐÌà Ü àà  à(2)€residential€or€tenant€history;Ð . ~ ÐÌà Ü àà  à(3)€check€writing€history;Ð ú J ÐÌà Ü àà  à(4)€employment€history;€orÐ Æ   ÐÌà Ü àà  à(5)€insurance€claims.Ð ’â  ÐÌà0 Ü à(x)€Exclusion€of€Certain€Communications€for€Employee€Investigations€Ð^® Ü(#Ü(# ÐÌà0 Ü àà0Ü(#Ü(#à(1)€A€communication€is€described€in€this€subsection€if--Ð*z (#(# ÐÌà Ü àà  àà 4 à(A)à0 Œ àbut€for€subsection€(d)(2)(D),€the€communication€would€be€a€consumer€report;ÐöFŒ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(B)à0Œ 4(#4(#àthe€communication€is€made€to€an€employer€in€connection€with€anÐ Â Ðinvestigation€ofð!ðШøŒ (#Œ (# Ðà Ü àÌà Ü àà  àà 4 àà ` à(i)à0 Œ àà0¸ Œ (#Œ (#àsuspected€misconduct€relating€to€employment;€orÐtĸ (#¸ (# ÐÌà Ü àà  àà 4 àà ` à(ii)€à0 ¸ àcompliance€with€Federal,€State,€or€local€laws€and€regulations,€the€rules€ofÐ @ Ða€self-regulatory€organization,€or€any€preexisting€written€policies€of€theÐ &v Ðemployer;Ð \¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àÔ_Ô(C)Ô_Ôà0Œ 4(#4(#àthe€communication€is€not€made€for€the€purpose€of€investigating€a€consumer'sÐ Ø( Ðcredit€worthiness,€credit€standing,€or€credit€capacity;€andоŒ (#Œ (# ÐÌà Ü àà  àà 4 à(D)€à0 Œ àthe€communication€is€not€provided€to€any€person€except--Њ ÚŒ (#Œ (# ÐÌà Ü àà  àà 4 àà ` à(i)€à0 Œ àà0¸ Œ (#Œ (#àto€the€employer€or€an€agent€of€the€employer;ÐV"¦!¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà0` 4(#4(#à(ii)à0Œ ` (#` (#àà0¸ Œ (#Œ (#àto€any€Federal€or€State€officer,€agency,€or€department,€or€any€officer,Ð "$r# Ðagency,€or€department€of€a€unit€of€general€local€government;Ð%X $¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà ` à(iii)à0¸ 4(#4(#àto€any€self-regulatory€organization€with€regulatory€authority€over€theÐ Ô&$"& Ðactivities€of€the€employer€or€employee;к' #'¸ (#¸ (# ÐÌà Ü àà  àà 4 àà ` à(iv)€à0 ¸ àas€otherwise€required€by€law;€orІ)Ö$)¸ (#¸ (# Ðà Ü àà  àà 4 àà ` àà Œ àà ¸ àà ä àà  àà < àà h àà ” àà À àà ì àà  àà D àà p àà œ àà È àà ô àà  àà L àÌà Ü àà  àà 4 àà ` à(v)€à0 ¸ àpursuant€to€section€608.ÐR+¢&+¸ (#¸ (# ÐÌà0 Ü àà  à(2)òòà04Ü(#Ü(#àSubsequent€disclosureóó.€€After€taking€any€adverse€action€based€in€whole€or€in€part€on€aÐ -n(- Ðcommunication€described€in€paragraph€(1),€the€employer€shall€disclose€to€theÐ .T). Ðconsumer€a€summary€containing€the€nature€and€substance€of€the€communication€uponÐ ° Ðwhich€the€adverse€action€is€based,€except€that€the€sources€of€information€acquiredÐ –æ Ðsolely€for€use€in€preparing€what€would€be€but€for€subsection€(d)(2)(D)€anÐ |Ì Ðinvestigative€consumer€report€need€not€be€disclosed.Ðb²4(#4(# ÐÌà0 Ü àà  à(3)à04Ü(#Ü(#àFor€purposes€of€this€subsection,€the€term€ð ðself-regulatory€organizationðð€includes€anyÐ . ~ Ðself-regulatory€organization€(as€defined€in€section€3(a)(26)€of€the€Securities€ExchangeÐ  d ÐAct€of€1934),€any€entity€established€under€title€I€of€the€Sarbanes-Oxley€Act€of€2002,Ð ú J Ðany€board€of€trade€designated€by€the€Commodity€Futures€Trading€Commission,€andÐ à 0 Ðany€futures€association€registered€with€such€Commission.ÐÆ  4(#4(# ÐÌò òðð€604.€€Permissible€purposes€of€consumer€reportsó ó€[15€U.S.C.€ðð1681b]Ð ’â  ÐÌà Ü à(a)à0  àòòIn€general.óó€€Subject€to€subsection€Ô_Ô(c)Ô_Ô,€any€consumer€reporting€agency€may€furnish€aÐ ^®  Ðconsumer€report€under€the€following€circumstances€and€no€other:ÐD” (#(# ÐÌ€à0 Ü àà  à(1)à04Ü(#Ü(#àIn€response€to€the€order€of€a€court€having€jurisdiction€to€issue€such€an€order,€or€aÐ ` Ðsubpoena€issued€in€connection€with€proceedings€before€a€Federal€grand€jury.ÐöF4(#4(# ÐÌ€€€à0 Ü àà  à(2)à04Ü(#Ü(#àIn€accordance€with€the€written€instructions€of€the€consumer€to€whom€it€relates.ÐÂ4(#4(# ÐÌ€€€à0 Ü àà  à(3)à04Ü(#Ü(#àTo€a€person€which€it€has€reason€to€believe€€ÐŽÞ4(#4(# ÐÌà0 Ü àà  àà 4 à(A)à0Œ Ü(#Ü(#àintends€to€use€the€information€in€connection€with€a€credit€transactionÐ Zª Ðinvolving€the€consumer€on€whom€the€information€is€to€be€furnished€andÐ @ Ðinvolving€the€extension€of€credit€to,€or€review€or€collection€of€an€account€of,Ð &v Ðthe€consumer;€orÐ \Œ (#Œ (# ÐÌà0 Ü àà  àà 4 à(B)à0Œ Ü(#Ü(#àintends€to€use€the€information€for€employment€purposes;€orÐØ(Œ (#Œ (# ЀÌà0 Ü àà  àà 4 àÔ_Ô(C)Ô_Ôà0Œ Ü(#Ü(#àintends€to€use€the€information€in€connection€with€the€underwriting€ofÐ ¤ô Ðinsurance€involving€the€consumer;€orЊ ÚŒ (#Œ (# ÐÌà0 Ü àà  àà 4 à(D)à0Œ Ü(#Ü(#àintends€to€use€the€information€in€connection€with€a€determination€of€the€conƒÐ V"¦! Ðsumer's€eligibility€for€a€license€or€other€benefit€granted€by€a€governmentalÐ <#Œ" Ðinstrumentality€required€by€law€to€consider€an€applicant's€financialÐ "$r# Ðresponsibility€or€status;€orÐ%X $Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#à€€à04(#(#à(E)à0Œ 4(#4(#àintends€to€use€the€information,€as€a€potential€investor€or€servicer,€or€currentÐ Ô&$"& Ðinsurer,€in€connection€with€a€valuation€of,€or€an€assessment€of€the€credit€orÐ º' #' Ðprepayment€risks€associated€with,€an€existing€credit€obligation;€orР(ð#(Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(F)€à0Œ 4(#4(#àotherwise€has€a€legitimate€business€need€for€the€information€€Ðl*¼%*Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà 4 àà0` (#(#à(i)à0Œ ` (#` (#àà0¸ Œ (#Œ (#àin€connection€with€a€business€transaction€that€is€initiated€by€the€consumer;Ð 8,ˆ', ÐorÐ-n(-¸ (#¸ (# ÐÐ .T). ÐÑ;ïc Ñâ ;âÑǧÑâ ;âÑ  Ñà0 Ü àà0Ü(#Ü(#àà04(#(#àà ` à(ii)à0Œ 4(#4(#àà0¸ Œ (#Œ (#àto€review€an€account€to€determine€whether€the€consumer€continues€toÐ ° Ðmeet€the€terms€of€the€account.׃ƒ×Ý ƒÿÿÝòòÚ  Ú1Ú  ÚóóÝ  Ý×  ×Ð–æ¸ (#¸ (# ÐÌò òÔ‡4,-ï ,X,¦ÔÔ‡4X¦X ,4,-ïÔó óà0 Ü àà0Ü(#Ü(#àà04(#(#à(G)€à0Œ 4(#4(#àexecutive€departments€and€agencies€in€connection€with€the€issuance€ofÐ b² Ðgovernment„sponsored€individually„billed€travel€charge€cardsÔ#†X¦XX4X¦ É#ÔÔ#†,¦XXX¦)É#Ô.òò1óó€ÐH˜Œ (#Œ (# ÐÌà Ü àà  à(4)à0 4 àIn€response€to€a€request€by€the€head€of€a€State€or€local€child€support€enforcementÐ  d Ðagen‚cy€(or€a€State€or€local€government€official€authorized€by€the€head€of€such€anÐ ú J Ðagency),€if€the€person€making€the€request€certifies€to€the€consumer€reporting€agencyÐ à 0 Ðthat€€ÐÆ  4(#4(# ÐÌà Ü àà  à€€€€à0 4 à(A)à0Œ 4(#4(#àthe€consumer€report€is€needed€for€the€purpose€of€establishing€an€individualððsÐ ’â  Ðcapacity€to€make€child€support€payments€or€determining€the€appropriate€levelÐ xÈ  Ðof€such€payments;Ð^® Œ (#Œ (# ÐÌà Ü àà  à€€€€à0 4 à(B)à0Œ 4(#4(#àthe€paternity€of€the€consumer€for€the€child€to€which€the€obligation€relates€hasÐ *z  Ðbeen€established€or€acknowledged€by€the€consumer€in€accordance€with€StateÐ ` Ðlaws€under€which€the€obligation€arises€(if€required€by€those€laws);ÐöFŒ (#Œ (# ÐÌà Ü àà  à€€€€à0 4 àÔ_Ô(C)Ô_Ôà0Œ 4(#4(#àthe€person€has€provided€at€least€10€daysðð€prior€notice€to€the€consumer€whoseÐ Â Ðreport€is€requested,€by€certified€or€registered€mail€to€the€last€known€address€ofÐ ¨ø Ðthe€consumer,€that€the€report€will€be€requested;€andÐŽÞŒ (#Œ (# ÐÌà Ü àà  à€€€€à0 4 à(D)à0Œ 4(#4(#àthe€consumer€report€will€be€kept€confidential,€will€be€used€solely€for€aÐ Zª Ðpurpose€described€in€subparagraph€(A),€and€will€not€be€used€in€connectionÐ @ Ðwith€any€other€civil,€administrative,€or€criminal€proceeding,€or€for€any€otherÐ &v Ðpurpose.Ð \Œ (#Œ (# ÐÌà Ü àà  à(5)à0 4 àTo€an€agency€administering€a€State€plan€under€Section€454€of€the€Social€Security€ActÐ Ø( Ð(42€U.S.C.€ðð654)€for€use€to€set€an€Ô‡X¦XX,¦Ôinitial€or€modified€child€support€award.о4(#4(# ÐÌÔ‡4X¦XXX¦Ôà Ü àà  à(6)à0 4 àTo€the€Federal€Deposit€Insurance€Corporation€or€the€National€Credit€UnionÐ Š Ú ÐAdministration€as€part€of€its€preparation€for€its€appointment€or€as€part€of€its€exerciseÐ p!À  Ðof€powers,€as€conservator,€receiver,€or€liquidating€agent€for€an€in‚sured€depositoryÐ V"¦! Ðinstitution€or€insured€credit€union€under€the€Federal€Deposit€Insurance€Act€or€theÐ <#Œ" ÐFederal€Credit€Union€Act,€or€other€applicable€Federal€or€State€law,€or€in€connectionÐ "$r# Ðwith€the€resolution€or€liquidation€of€a€failed€or€failing€insured€depository€institutionÐ %X $ Ðor€insured€credit€union,€as€applicable.Ô#†X¦XX4X¦ÚÒ#ÔÐî%>!%4(#4(# ÐÌà Ü à(b)à0  àConditions€for€Furnishing€and€Using€Consumer€Ô#†,¦XXX¦sÒ#ÔReports€for€Employment€Purposes.€€Ðº' #'(#(# ÐÌà0 Ü àà  à(1)à04Ü(#Ü(#àòòCertification€from€useróó.€€A€consumer€reporting€agency€may€furnish€a€consumer€reportÐ †)Ö$) Ðfor€employment€purposes€only€if€€Ðl*¼%*4(#4(# ÐÌà0 Ü àà  àà 4 à(A)à0Œ Ü(#Ü(#àthe€person€who€obtains€such€report€from€the€agency€certifies€to€the€agencyÐ 8,ˆ', Ðthat€Ð-n(-Œ (#Œ (# ÐÑEw™Ñâ EâÑÀ°ÑÑÇÇÑâ EâÑ  ÑÌà0 Ü àà  àà04Ü(#Ü(#àà ` à(i)à0Œ 4(#4(#àà0¸ Œ (#Œ (#àthe€person€has€complied€with€paragraph€(2)€with€respect€to€the€consumerÐ ¦æ Ðreport,€and€the€person€will€comply€with€paragraph€(3)€with€respect€to€theÐ ŒÌ Ðconsumer€report€if€paragraph€(3)€becomes€applicable;€andÐr²¸ (#¸ (# ÐÌà0 Ü àà  àà04Ü(#Ü(#àà ` à(ii)à0Œ 4(#4(#àà0¸ Œ (#Œ (#àinformation€from€the€consumer€report€will€not€be€used€in€violation€of€anyÐ >~ Ðapplicable€Federal€or€State€equal€employment€opportunity€law€orÐ $ d Ðregulation;€andÐ J¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#à€€€€€(B)à0` (#(#àà0Œ ` (#` (#àthe€consumer€reporting€agency€provides€with€the€report,€or€has€previouslyÐ Ö   Ðprovided,€a€summary€of€the€consumer's€rights€under€this€title,€as€prescribed€byÐ ¼ ü  Ðthe€Federal€Trade€Commission€under€section€609(c)(3)€[ðð1681g].Т â Œ (#Œ (# ÐÌ€€€€€à Ü à(2)€Disclosure€to€Consumer.Ð n®  ÐÌà Ü àà  à€€€€à0 4 à(A)à0Œ 4(#4(#àòòIn€general.€óó€Except€as€provided€in€subparagraph€(B),€a€person€may€notÐ :z  Ðprocure€a€consumer€report,€or€cause€a€consumer€report€to€be€procured,€forÐ  ` Ðemployment€purposes€with€respect€to€any€consumer,€unless--ÐFŒ (#Œ (# ÐÌ€€€€€€€€€€€€€€€€€€€€à ` à(i)à Œ àà0 ¸ àa€clear€and€conspicuous€disclosure€has€been€made€in€writing€to€theÐ Ò Ðconsumer€at€any€time€before€the€report€is€procured€or€caused€to€beÐ ¸ø Ðprocured,€in€a€document€that€consists€solely€of€the€disclosure,€that€aÐ žÞ Ðconsumer€report€may€be€obtained€for€employment€purposes;€andЄĸ (#¸ (# ÐÌ€€€€€€€€€€€€€€€€€€€€€à ` à(ii)à0 Œ àà0¸ Œ (#Œ (#àthe€consumer€has€authorized€in€writing€(which€authorization€may€be€madeÐ P Ðon€the€document€referred€to€in€clause€(i))€the€procurement€of€the€report€byÐ 6v Ðthat€person.Ð\¸ (#¸ (# ÐÌÒ°Ò€€€€€€€€€€€€€€€à0 4 à(B)à0Œ 4¾#4¾#àòòApplication€by€mail,€telephone,€computer,€or€other€similar€means.óó€If€a€consum‚erÐ è( Ðdescribed€in€subparagraph€Ô_Ô(C)Ô_Ô€applies€for€employment€by€mail,€telephone,Ð Î Ðcomputer,€or€other€similar€means,€at€any€time€before€a€consum‚er€report€isÐ ´ô Ðprocured€or€caused€to€be€procured€in€connection€with€that€application--Кڌ ¾#Œ ¾# ÐÌÒ°Ò€€€€€€€€€€€€€€€€€€€€à ` à(i)à0 Œ àà0¸ Œ (#Œ (#àthe€person€who€procures€the€consumer€report€on€the€consumer€forÐ f!¦! Ðemployment€purposes€shall€provide€to€the€consumer,€by€oral,€written,€orÐ L"Œ" Ðelectronic€means,€notice€that€a€consumer€report€may€be€obtained€forÐ 2#r# Ðemployment€purposes,€and€a€summary€of€the€consumer's€rights€underÐ $X $ Ðsection€615(a)(3);€andÐþ$>!%¸ (#¸ (# ÐÌ€€€€€€€€€€€€€€€€€€€€à ` à(ii)€à0 ¸ àthe€consumer€shall€have€consented,€orally,€in€writing,€or€electronically€toÐ Ê& #' Ðthe€procurement€of€the€report€by€that€person.а'ð#(¸ (#¸ (# Ðà Ü àÌ€€€€€€€€€€€€€€€à0 4 àÔ_Ô(C)Ô_Ô€à0Œ 4(#4(#àòòScope.óó€Subparagraph€(B)€shall€apply€to€a€person€procuring€a€consumer€reportÐ |)¼%* Ðon€a€consumer€in€connection€with€the€consumer's€application€for€employmentÐ b*¢&+ Ðonly€if--ÐH+ˆ',Œ (#Œ (# ÐÌ€€€€€€€€€€€€€€€€€€€€à ` à(i)à Œ àà0 ¸ àthe€consumer€is€applying€for€a€position€over€which€the€Secretary€of€TransƒÐ -T). Ðportation€has€the€power€to€establish€qualifications€and€maximum€hours€ofÐ ú-:*/ Ðservice€pursuant€to€the€provisions€of€section€31502€of€title€49,€or€aÐ à. +0 Ðposition€subject€to€safety€regulation€by€a€State€transportation€agency;€andÐÆ/,1¸ (#¸ (# ÐÑn‡•Ñâ nâѰÀÑâ nâÑ  ÑÌ€€€€€€€€€€€€€€€€€€€€à ` à(ii)à0 Œ àà0¸ Œ (#Œ (#àas€of€the€time€at€which€the€person€procures€the€report€or€causes€the€reportÐ –æ Ðto€be€procured€the€only€interaction€between€the€consumer€and€the€personÐ |Ì Ðin€connection€with€that€employment€application€has€been€by€mail,Ð b² Ðtelephone,€computer,€or€other€similar€means.ÐH˜¸ (#¸ (# Ðà Ü àà  àÌ€€€€€€€€€€(3)€Conditions€on€use€for€adverse€actions.Ð  d ÐÌ€€€€€€€€€€€€€€€à0 4 à(A)à0Œ 4(#4(#àòòIn€general.€óó€Except€as€provided€in€subparagraph€(B),€in€using€a€consumerÐ à 0 Ðreport€for€employment€purposes,€before€taking€any€adverse€action€based€inÐ Æ   Ðwhole€or€in€part€on€the€report,€the€person€intending€to€take€such€adverse€actionÐ ¬ ü  Ðshall€provide€to€the€consumer€to€whom€the€report€relates--Ð’â Œ (#Œ (# ÐÌ€€€€€€€€€€€€€€€€€€€€à ` à(i)à Œ àà ¸ àa€copy€of€the€report;€andÐ ^®  ÐÌ€€€€€€€€€€€€€€€€€€€€à ` à(ii)€à0 ¸ àa€description€in€writing€of€the€rights€of€the€consumer€under€this€title,€asÐ *z  Ðprescribed€by€the€Federal€Trade€Commission€under€section€609(c)(3).׃‹×Ý ƒÿÿÝòòÚ  Ú2Ú  ÚóóÝ  Ý×  ×Ð`¸ (#¸ (# ÐÌ€€€€€€€€€€€€€€€à0 4 à(B)à0Œ 4(#4(#àApplication€by€mail,€telephone,€computer,€or€other€similar€means.ÐÜ,Œ (#Œ (# ÐÌ€€€€€€€€€€€€€€€€€€€€à ` à(i)€à0 Œ àà0¸ Œ (#Œ (#àIf€a€consumer€described€in€subparagraph€Ô_Ô(C)Ô_Ô€applies€for€employment€byÐ ¨ø Ðmail,€telephone,€computer,€or€other€similar€means,€and€if€a€person€who€hasÐ ŽÞ Ðprocured€a€consumer€report€on€the€consumer€for€employment€purpo‚sesÐ tÄ Ðtakes€adverse€action€on€the€employment€application€based€in€whole€or€inÐ Zª Ðpart€on€the€report,€then€the€person€must€provide€to€the€consumer€to€whomÐ @ Ðthe€report€relates,€in€lieu€of€the€notices€required€under€subpara‚graph€(A)€ofÐ &v Ðthis€section€and€under€section€615(a),€within€3€business€days€of€takingÐ  \ Ðsuch€action,€an€oral,€written€or€electronic€notificationÔ_Ô--Ô_ÔÐòB¸ (#¸ (# ÐÌ€€€€€€€€€€€€€€€€€€€€€€€€€à Œ à(I)à ¸ àà0 ä àthat€adverse€action€has€been€taken€based€in€whole€or€in€part€on€aÐ ¾ Ðconsumer€report€received€from€a€consumer€reporting€agency;Фôä (#ä (# ÐÌ€€€€€€€€€€€€€€€€€€€€€€€€€à Œ à(II)à0 ä àof€the€name,€address€and€telephone€number€of€the€consumer€reportingÐ p!À  Ðagency€that€furnished€the€consumer€report€(including€a€toll-freeÐ V"¦! Ðtelephone€number€established€by€the€agency€if€the€agency€compilesÐ <#Œ" Ðand€maintains€files€on€consumers€on€a€nationwide€basis);Ð"$r#ä (#ä (# ÐÌ€€€€€€€€€€€€€€€€€€€€€€€€€à Œ à(III)à0 ä àthat€the€consumer€reporting€agency€did€not€make€the€decision€to€takeÐ î%>!% Ðthe€adverse€action€and€is€unable€to€provide€to€the€consumer€theÐ Ô&$"& Ðspecific€reasons€why€the€adverse€action€was€taken;€andк' #'ä (#ä (# ÐÌÒ9°Ò€€€€€€€€€€€€€€€€€€€€€€€€€à Œ à(IV)à0 ä àthat€the€consumer€may,€upon€providing€proper€identification,€request€a€freeÐ †)Ö$) Ðcopy€of€a€report€and€may€dispute€with€the€consumer€reporting€agency€theÐ l*¼%* Ðaccuracy€or€completeness€of€any€information€in€a€report.ÐR+¢&+ä Ÿ$ä Ÿ$ ÐÐ 8,ˆ', ÐÑIËiÑâ IâÑ/ÇÑѰ°Ñâ IâÑ  ÑÒe9Ò€€€€€€€€€€€€€€€€€€€€à ` à(ii)à0 Œ àà0¸ Œ s#Œ s#àIf,€under€clause€(B)(Ô_ÔiÔ_Ô)(IV),€the€consumer€requests€a€copy€of€a€consumerÐ ° Ðreport€from€the€person€who€procured€the€report,€then,€within€3€businessÐ –æ Ðdays€of€receiving€the€consumer's€request,€together€with€proper€identifiƒÐ |Ì Ðcation,€the€person€must€send€or€provide€to€the€consumer€a€copy€of€a€reportÐ b² Ðand€a€copy€of€the€consumer's€rights€as€prescribed€by€the€Federal€TradeÐ H˜ ÐCommission€under€section€609(c)(3).׃’×Ý ƒÿÿÝòòÚ  Ú3Ú  ÚóóÝ  Ý×  ×Ð. ~¸ s#¸ s# ÐÌÒ„eÒ€€€€€€€€€€€€€€€à0 4 àÔ_Ô(C)Ô_Ôà0Œ 4T$4T$àòòScope.óó€Subparagraph€(B)€shall€apply€to€a€person€procuring€a€consumer€report€on€aÐ ú J Ðconsumer€in€connection€with€the€consumer's€application€for€employment€only€if--Ðà 0Œ T$Œ T$ ÐÌ€€€€€€€€€€€€€€€€€€€€à ` à(i)à Œ àà0 ¸ àthe€consumer€is€applying€for€a€position€over€which€the€Secretary€of€TransƒÐ ¬ ü  Ðportation€has€the€power€to€establish€qualifications€and€maximum€hours€ofÐ ’â  Ðservice€pursuant€to€the€provisions€of€section€31502€of€title€49,€or€a€positionÐ xÈ  Ðsubject€to€safety€regulation€by€a€State€transportation€agency;€andÐ^® ¸ T$¸ T$ ÐÌÒ°„Ò€€€€€€€€€€€€€€€€€€€€à ` à(ii)€à0 ¸ àas€of€the€time€at€which€the€person€procures€the€report€or€causes€the€reportÐ *z  Ðto€be€procured€the€only€interaction€between€the€consumer€and€the€personÐ ` Ðin€connection€with€that€employment€application€has€been€by€mail,Ð öF Ðtelephone,€computer,€or€other€similar€means.ÐÜ,¸ (#¸ (# ÐÌà Ü àà  à(4)€Exception€for€national€security€investigations.Ð ¨ø ÐÌ€€€€€€€€€€€€€€€à0 4 à(A)à0Œ 4(#4(#àòòIn€general.óó€In€the€case€of€an€agency€or€department€of€the€United€StatesÐ tÄ ÐGovernment€which€seeks€to€obtain€and€use€a€consumer€report€for€employ‚mentÐ Zª Ðpurposes,€paragraph€(3)€shall€not€apply€to€any€adverse€action€by€such€agencyÐ @ Ðor€department€which€is€based€in€part€on€such€consumer€report,€if€the€head€ofÐ &v Ðsuch€agency€or€department€makes€a€written€finding€thatð!ðÐ \Œ (#Œ (# Ðà Ü àÌ€€€€€€€€€€€€€€€€€€€€à ` à(i)à Œ àà0 ¸ àthe€consumer€report€is€relevant€to€a€national€security€investigation€of€suchÐ Ø( Ðagency€or€department;о¸ (#¸ (# ÐÌÒe°Ò€€€€€€€€€€€€€€€€€€€€à ` à(ii)€à0 ¸ àthe€investigation€is€within€the€jurisdiction€of€such€agency€or€department;Њ Ú¸ s#¸ s# ÐÌÒ°eÒ€€€€€€€€€€€€€€€€€€€€à ` à(iii)à0 ¸ àthere€is€reason€to€believe€that€compliance€with€paragraph€(3)€willð!ðÐV"¦!¸ (#¸ (# ÐÌ€€€€€€€€€€€€€€€€€€€€€€€€€à Œ à(I)à ¸ àà ä àendanger€the€life€or€physical€safety€of€any€person;Ð "$r# ÐÌ€€€€€€€€€€€€€€€€€€€€€€€€€à Œ à(II)€à0 ä àresult€in€flight€from€prosecution;Ðî%>!%ä (#ä (# ÐÌ€€€€€€€€€€€€€€€€€€€€€€€€€à0 Œ à(III)à0ä Œ (#Œ (#àresult€in€the€destruction€of,€or€tampering€with,€evidence€relevant€to€theÐ º' #' Ðinvestigation;Р(ð#(ä (#ä (# ÐÌ€€€€€€€€€€€€€€€€€€€€€€€€€à Œ à(IV)à0 ä àresult€in€the€intimidation€of€a€potential€witness€relevant€to€theÐ l*¼%* Ðinvestigation;à ” àà À àà ì àà  àà D àà p àà œ àà È àà ô àà  àà L àà x àÐR+¢&+ä (#ä (# Ðà Ü àà  àà 4 àà ` àà Œ àà ¸ àà ä àà  àà < àà h àà ” àà À àà ì àà  àà D àà p àÐ 8,ˆ', ÐÑOWfÑâ OâÑ//Ñâ OâÑ  Ñ€€€€€€€€€€€€€€€€€€€€€€€€€à Œ à(V)à0 ä àresult€in€the€compromise€of€classified€information;€orаä (#ä (# Ðà Ü àà  àà 4 àà ` àà Œ àà ¸ àà ä àà  àà < àà h àà ” àà À àÌ€€€€€€€€€€€€€€€€€€€€€€€€€à Œ à(VI)à0 ä àotherwise€seriously€jeopardize€or€unduly€delay€the€investigation€orÐ |Ì Ðanother€official€proceeding.Ðb²ä (#ä (# ÐÌ€€€€€€€€€€€€€€€à0 4 à(B)à0Œ 4(#4(#àòòNotification€of€consumer€upon€conclusion€of€investigation.óó€Upon€theÐ . ~ Ðconclusion€of€a€national€security€investigation€described€in€subparagraph€(A),Ð  d Ðor€upon€the€determination€that€the€exception€under€subparagraph€(A)€is€noÐ ú J Ðlonger€required€for€the€reasons€set€forth€in€such€subparagraph,€the€officialÐ à 0 Ðexercising€the€authority€in€such€subparagraph€shall€provide€to€the€consumerÐ Æ   Ðwho€is€the€subject€of€the€consumer€report€with€regard€to€which€such€findingÐ ¬ ü  Ðwas€made€ð!ð€Ð’â Œ (#Œ (# ÐÌ€€€€€€€€€€€€€€€€€€€€à ` à(i)à Œ àà0 ¸ àa€copy€of€such€consumer€report€with€any€classified€information€redactedÐ ^®  Ðas€necessary;ÐD” ¸ (#¸ (# ÐÌ€€€€€€€€€€€€€€€€€€€€à0 ` à(ii)à0Œ ` (#` (#àà0¸ Œ (#Œ (#ànotice€of€any€adverse€action€which€is€based,€in€part,€on€the€consumerÐ ` Ðreport;€andÐöF¸ (#¸ (# ÐÌ€€€€€€€€€€€€€€€€€€€€à ` à(iii)€à0 ¸ àthe€identification€with€reasonable€specificity€of€the€nature€of€theÐ Â Ðinvestigation€for€which€the€consumer€report€was€sought.Шø¸ (#¸ (# ÐÌ€€€€€€€€€€€€€€€à0 4 àÔ_Ô(C)Ô_Ôà0Œ 4(#4(#àòòDelegation€by€head€of€agency€or€department.óó€€For€purposes€of€subparagraphsÐ tÄ Ð(A)€and€(B),€the€head€of€any€agency€or€department€of€the€United€StatesÐ Zª ÐGovernment€may€delegate€his€or€her€authorities€under€this€paragraph€to€anÐ @ Ðofficial€of€such€agency€or€department€who€has€personnel€securityÐ &v Ðresponsibilities€and€is€a€member€of€the€Senior€Executive€Service€or€equivalentÐ  \ Ðcivilian€or€military€rank.ÐòBŒ (#Œ (# ÐÌ€€€€€€€€€€€€€€€à0 4 à(D)à0Œ 4(#4(#àòòReport€to€the€Congress.óó€€Not€later€than€January€31€of€each€year,€the€head€ofÐ ¾ Ðeach€agency€and€department€of€the€United€States€Government€that€exercisedÐ ¤ô Ðauthority€under€this€paragraph€during€the€preceding€year€shall€submit€a€reportÐ Š Ú Ðto€the€Congress€on€the€number€of€times€the€department€or€agency€exercisedÐ p!À  Ðsuch€authority€during€the€year.ÐV"¦!Œ (#Œ (# ÐÌÒî°Ò€€€€€€€€€€€€€€€à0 4 à(E)à0Œ 4ê$4ê$àòòDefinitions.óó€For€purposes€of€this€paragraph,€the€following€definitions€shall€apply:Ð"$r#Œ ê$Œ ê$ ÐÌÓ€ (80!ÓÒeîÒ€€€€€€€€€€€€€€€€€€€€à0 ` à(i)à0Œ ` s#` s#àà0¸ Œ s#Œ s#àThe€term€ð ðclassified€informationðð€means€information€that€is€protected€fromÐ î%>!% Ðunauthorized€disclosure€under€Executive€Order€No.€12958€or€successorÐ Ô&$"& Ðorders.к' #'¸ s#¸ s# ÐÌÓ€ (ÿ!88ÓÒ°eÒà Ü àà  àà 4 àà ` à(ii)à0 Œ àà0¸ Œ (#Œ (#àThe€term€ð ðnational€security€investigationðð€means€any€official€inquiry€byÐ †)Ö$) Ðan€agency€or€department€of€the€United€States€Government€to€determineÐ l*¼%* Ðthe€eligibility€of€a€consumer€to€receive€access€or€continued€access€toÐ R+¢&+ Ðclassified€information€or€to€determine€whether€classified€information€hasÐ 8,ˆ', Ðbeen€lost€or€compromised.Ð-n(-¸ (#¸ (# Ðâ âÐ .T). Ðà Ü àÔ_Ô(c)Ô_Ôà0  àFurnishing€reports€in€connection€with€credit€or€insurance€transactions€that€are€notÐ ° Ðâ âinitiated€by€the€consumer.€€Ð–æ(#(# ÐÌ€€€à0 Ü àà  à(1)à04Ü(#Ü(#àòòIn€general.óó€€A€consumer€reporting€agency€may€furnish€a€consumer€report€relating€toÐ b² Ðany€consumer€pursuant€to€subparagraph€(A)€or€Ô_Ô(C)Ô_Ô€of€subsection€(a)(3)€in€connectionÐ H˜ Ðwith€any€credit€or€insurance€transaction€that€is€not€initiated€by€the€consumer€only€if€€Ð. ~4(#4(# ÐÌÒ°Òà0 Ü àà0ܾ#ܾ#àà04¾#¾#à(A)à0Œ 4¾#4¾#àthe€consumer€authorizes€the€agency€to€provide€such€report€to€such€person;€orÐú JŒ ¾#Œ ¾# ÐÒ°ÒÌà0 Ü àà0Ü(#Ü(#àà 4 à(B)€(i)à0Œ (#(#àà0¸ Œ (#Œ (#àthe€transaction€consists€of€a€firm€offer€of€credit€or€insurance;ÐÆ  ¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà0` 4(#4(#à(ii)à0Œ ` (#` (#àà0¸ Œ (#Œ (#àthe€consumer€reporting€agency€has€complied€with€subsection€(e);Ð’â ¸ (#¸ (# Ðà0 Ü àÐ Ü(#Ü(# Ðà0 Ü àà0Ü(#Ü(#àà04(#(#à€€€€€(iii)à0¸ 4(#4(#àthere€is€not€in€effect€an€election€by€the€consumer,€made€in€accordance€withÐ ^®  Ðsubsection€(e),€to€have€the€consumer's€name€and€address€excluded€fromÐ D”  Ðlists€of€names€provided€by€the€agency€pursuant€to€this€paragraph;€andÐ*z ¸ (#¸ (# ÐÌÒ°Òà Ü àà  àà 4 à€€€€€(iv)à0 Œ àà0¸ Œ ¾#Œ ¾#àÔ‡X¦XX,¦ÔÔ‡SX¦XXX¦Ôthe€consumer€report€does€not€contain€a€date€of€birth€that€shows€that€the€conƒÐ öF Ðsumer€has€not€attained€the€age€of€21,€or,€if€the€date€of€birth€on€the€consumerÐ Ü, Ðreport€shows€that€the€consumer€has€not€attained€the€age€of€21,€such€consumƒÐ  Ðer€consents€to€the€consumer€reporting€agency€to€such€furnishing.Шø¸ ¾#¸ ¾# ÐÔ#†X¦XXSX¦¢#ÔÔ#†,¦XXX¦ƒ#ÔÌÒ°Òà0 Ü àà  à(2)òòà04Ü(#Ü(#àLimits€on€information€received€under€paragraph€(1)(B).€óó€A€person€may€receive€purƒÐ tÄ Ðsuant€to€paragraph€(1)(B)€only€€ÐZª4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(A)€à0Œ 4(#4(#àthe€name€and€address€of€a€consumer;Ð&vŒ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(B)à0Œ 4(#4(#àan€identifier€that€is€not€unique€to€the€consumer€and€that€is€used€by€the€personÐ òB Ðsolely€for€the€purpose€of€verifying€the€identity€of€the€consumer;€andÐØ(Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àÔ_Ô(C)Ô_Ôà0Œ 4(#4(#àother€information€pertaining€to€a€consumer€that€does€not€identify€theÐ ¤ô Ðrelationship€or€experience€of€the€consumer€with€respect€to€a€particular€creditorÐ Š Ú Ðor€other€entity.Ðp!À Œ (#Œ (# ÐÌà0 Ü àà  à(3)à04Ü(#Ü(#àòòInformation€regarding€inquiries.óó€€Except€as€provided€in€section€609(a)(5)€[ðð1681g],€aÐ <#Œ" Ðconsumer€reporting€agency€shall€not€furnish€to€any€person€a€record€of€inquiries€inÐ "$r# Ðconnection€with€a€credit€or€insurance€transaction€that€is€not€initiated€by€a€consumer.Ð%X $4(#4(# ÐÌà Ü à(d)à0  àReserved.ÐÔ&$"&(#(# ÐÌà Ü à(e)à0  àElection€of€consumer€to€be€excluded€from€lists.€€Ð (ð#((#(# ÐÌà0 Ü àà  à(1)à04Ü(#Ü(#àòòIn€general.€€óóA€consumer€may€elect€to€have€the€consumer's€name€and€address€excludedÐ l*¼%* Ðfrom€any€list€provided€by€a€consumer€reporting€agency€under€subsection€(c)(1)(B)€inÐ R+¢&+ Ðconnection€with€a€credit€or€insurance€transaction€that€is€not€initiated€by€the€consumer,Ð 8,ˆ', Ðby€notifying€the€agency€in€accordance€with€paragraph€(2)€that€the€consumer€does€notÐ -n(- Ðconsent€to€any€use€of€a€consumer€report€relating€to€the€€consumer€in€connection€withÐ .T). Ðany€credit€or€insurance€transaction€that€is€not€initiated€by€the€consumer.Ðê.:*/4(#4(# ÐÑæ`Ñâ æâѧ/Ñâ æâÑ  ÑÌà0 Ü àà  à(2)à04Ü(#Ü(#àòòManner€of€notification.óó€€A€consumer€shall€notify€a€consumer€reporting€agency€underÐ –æ Ðparagraph€(1)€€Ð|Ì4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(A)à0Œ 4(#4(#àthrough€the€notification€system€maintained€by€the€agency€under€paragraph€(5);Ð H˜ ÐorÐ. ~Œ (#Œ (# ÐÌà Ü àà  àà 4 à(B)à0 Œ àby€submitting€to€the€agency€a€signed€notice€of€election€form€issued€by€theÐ ú J Ðagency€for€purposes€of€this€subparagraph.Ðà 0Œ (#Œ (# ÐÌà Ü àà  à(3)à0 4 àòòResponse€of€agency€after€notification€through€system.€óó€Upon€receipt€of€notification€ofÐ ¬ ü  Ðthe€election€of€a€consumer€under€paragraph€(1)€through€the€notification€systemÐ ’â  Ðmaintained€by€the€agency€under€paragraph€(5),€a€consumer€reporting€agency€shall€€ÐxÈ 4(#4(# Ðà Ü àà  àà 4 àà ` àà Œ àà ¸ àà ä àà  àà < àà h àà ” àÌà0 Ü àà  àà 4 à(A)à0Œ Ü(#Ü(#àinform€the€consumer€that€the€election€is€effective€only€for€the€5-year€periodÐ D”  Ðfollowing€the€election€if€the€consumer€does€not€submit€to€the€agency€a€signedÐ *z  Ðnotice€of€election€form€issued€by€the€agency€for€purposes€of€paragraph€(2)(B);Ð ` ÐandÐöFŒ (#Œ (# ÐÌà0 Ü àà  àà 4 à(B)à0Œ Ü(#Ü(#àprovide€to€the€consumer€a€notice€of€election€form,€if€requested€by€theÐ Â Ðconsumer,€not€later€than€5€business€days€after€receipt€of€the€notification€of€theÐ ¨ø Ðelection€through€the€system€established€under€paragraph€(5),€in€the€case€of€aÐ ŽÞ Ðrequest€made€at€the€time€the€consumer€provides€notification€through€theÐ tÄ Ðsystem.ÐZªŒ (#Œ (# ÐÌà0 Ü àà  à(4)à04Ü(#Ü(#àòòEffectiveness€of€election.óó€€An€election€of€a€consumer€under€paragraph€(1)€€Ð&v4(#4(# Ðà Ü àà  àà 4 àÌà0 Ü àà0Ü(#Ü(#àà 4 à(A)à0Œ (#(#àshall€be€effective€with€respect€to€a€consumer€reporting€agency€beginning€5Ð òB Ðbusiness€days€after€the€date€on€which€the€consumer€notifies€the€agency€inÐ Ø( Ðaccordance€with€paragraph€(2);оŒ (#Œ (# Ðà0 Ü àÐ Ü(#Ü(# Ðà0 Ü àà  à€à04Ü(#Ü(#à(B)à0Œ 4(#4(#àshall€be€effective€with€respect€to€a€consumer€reporting€agency€€ÐŠ ÚŒ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà ` à(i)à0Œ 4(#4(#àà0¸ Œ (#Œ (#àsubject€to€subparagraph€Ô_Ô(C)Ô_Ô,€during€the€5-year€period€beginning€5€businessÐ V"¦! Ðdays€after€the€date€on€which€the€consumer€notifies€the€agency€of€theÐ <#Œ" Ðelection,€in€the€case€of€an€election€for€which€a€consumer€notifies€theÐ "$r# Ðagency€only€in€accordance€with€paragraph€(2)(A);€orÐ%X $¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà ` à(ii)à0Œ 4(#4(#àà0¸ Œ (#Œ (#àuntil€the€consumer€notifies€the€agency€under€subparagraph€Ô_Ô(C)Ô_Ô,€in€the€caseÐ Ô&$"& Ðof€an€election€for€which€a€consumer€notifies€the€agency€in€accordanceÐ º' #' Ðwith€paragraph€(2)(B);Р(ð#(¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àÔ_Ô(C)Ô_Ôà0Œ 4(#4(#àshall€not€be€effective€after€the€date€on€which€the€consumer€notifies€the€agency,Ð l*¼%* Ðthrough€the€notification€system€established€by€the€agency€under€paragraph€(5),Ð R+¢&+ Ðthat€the€election€is€no€longer€effective;€andÐ8,ˆ',Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#à€à04(#(#à(D)à0Œ 4(#4(#àshall€be€effective€with€respect€to€each€affiliate€of€the€agency.Ð.T).Œ (#Œ (# ÐÑMïcÑâ MâÑǧÑâ MâÑ  ÑÌà0 Ü àà  à(5)€Notification€System€Ð–æÜ(#Ü(# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(A)à0Œ 4(#4(#àòòIn€general.€óó€Each€consumer€reporting€agency€that,€under€subsection€(c)(1)(B),Ð b² Ðfurnishes€a€consumer€report€in€connection€with€a€credit€or€insuranceÐ H˜ Ðtransaction€that€is€not€initiated€by€a€consumer,€shall€€Ð. ~Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà 4 àà0` (#(#à(i)à0Œ ` (#` (#àà0¸ Œ (#Œ (#àestablish€and€maintain€a€notification€system,€including€a€toll-freeÐ ú J Ðtelephone€number,€which€permits€any€consumer€whose€consumer€report€isÐ à 0 Ðmaintained€by€the€agency€to€notify€the€agency,€with€appropriateÐ Æ   Ðidentification,€of€the€consumer's€election€to€have€the€consumer's€name€andÐ ¬ ü  Ðaddress€excluded€from€any€such€list€of€names€and€addresses€provided€byÐ ’â  Ðthe€agency€for€such€a€transaction;€andÐxÈ ¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà 4 àà0` (#(#à(ii)à0Œ ` (#` (#àà0¸ Œ (#Œ (#àpublish€by€not€later€than€365€days€after€the€date€of€enactment€of€theÐ D”  ÐConsumer€Credit€Reporting€Reform€Act€of€1996,€and€not€less€thanÐ *z  Ðannually€thereafter,€in€a€publication€of€general€circulation€in€the€areaÐ ` Ðserved€by€the€agency€€ÐöF¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà 4 àà0` (#(#àà0Œ ` (#` (#à(I)à0¸ Œ (#Œ (#àà0ä ¸ (#¸ (#àa€notification€that€information€in€consumer€files€maintained€by€theÐ Â Ðagency€may€be€used€in€connection€with€such€transactions;€andШøä (#ä (# ÐÌà0 Ü àà0Ü(#Ü(#àà 4 àà0` (#(#àà0Œ ` (#` (#à(II)à0ä Œ (#Œ (#àthe€address€and€toll-free€telephone€number€for€consumers€to€use€toÐ tÄ Ðnotify€the€agency€of€the€consumer's€election€under€clause€(I).ÐZªä (#ä (# Ðà Ü àÌà0 Ü àà0Ü(#Ü(#à€à04(#(#à(B)à0Œ 4(#4(#àòòEstablishment€and€maintenance€as€compliance.óó€€Establishment€andÐ &v Ðmaintenance€of€a€notification€system€(including€a€toll-free€telephone€number)Ð  \ Ðand€publication€by€a€consumer€reporting€agency€on€the€agency's€own€behalfÐ òB Ðand€on€behalf€of€any€of€its€affiliates€in€accordance€with€this€paragraph€isÐ Ø( Ðdeemed€to€be€compliance€with€this€paragraph€by€each€of€those€affiliates.оŒ (#Œ (# ÐÌà0 Ü àà  à(6)à04Ü(#Ü(#àòòNotification€system€by€agencies€that€operate€nationwide.óó€€Each€consumer€reportingÐ Š Ú Ðagency€that€compiles€and€maintains€files€on€consumers€on€a€nationwide€basis€shallÐ p!À  Ðestablish€and€maintain€a€notification€system€for€purposes€of€paragraph€(5)€jointly€withÐ V"¦! Ðother€such€consumer€reporting€agencies.Ð<#Œ"4(#4(# ÐÌà Ü à(f)à0  àòòCertain€use€or€obtaining€of€information€prohibitedóó.€€A€person€shall€not€use€or€obtain€aÐ %X $ Ðconsumer€report€for€any€purpose€unless€€Ðî%>!%(#(# ÐÌà0 Ü àà  à(1)à04Ü(#Ü(#àthe€consumer€report€is€obtained€for€a€purpose€for€which€the€consumer€report€isÐ º' #' Ðauthorized€to€be€furnished€under€this€section;€andР(ð#(4(#4(# ÐÌà0 Ü àà  à(2)à04Ü(#Ü(#àthe€purpose€is€certified€in€accordance€with€section€607€[ðð1681e]€by€a€prospectiveÐ l*¼%* Ðuser€of€the€report€through€a€general€or€specific€certification.ÐR+¢&+4(#4(# ÐÌà Ü à(g)€Protection€of€Medical€InformationÐ -n(- Ðà Ü àà  àÌà0 Ü àà0Ü(#Ü(#à(1)à04(#(#àòòLimitation€on€consumer€reporting€agenciesóó.€€A€consumer€reporting€agency€shall€notÐ ê.:*/ Ðfurnish€for€employment€purposes,€or€in€connection€with€a€credit€or€insuranceÐ Ð/ +0 ÐÑŽïcÑâ ŽâÑÇÇÑâ ŽâÑ  Ñtransaction,€a€consumer€report€that€contains€medical€information€(other€than€medicalÐ ° Ðcontact€information€treated€in€the€manner€required€under€section€605(a)(6))€about€aÐ –æ Ðconsumer,€unless€ð!ð€Ð|Ì4(#4(# Ðà Ü àà  àà 4 àà ` àà Œ àÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(A)à0Œ 4(#4(#àif€furnished€in€connection€with€an€insurance€transaction,€the€consumerÐ H˜ Ðaffirmatively€consents€to€the€furnishing€of€the€report;Ð. ~Œ (#Œ (# Ðà Ü àÌà Ü àà0  àà04(#(#à(B)à0Œ 4(#4(#àif€furnished€for€employment€purposes€or€in€connection€with€a€creditÐ ú J Ðtransaction€ð!ð€Ðà 0Œ (#Œ (# Ðà Ü àà  àà 4 àà ` àÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà0` 4(#4(#à(i)à0Œ ` (#` (#àà0¸ Œ (#Œ (#àthe€information€to€be€furnished€is€relevant€to€process€or€effect€theÐ ¬ ü  Ðemployment€or€credit€transaction;€andÐ’â ¸ (#¸ (# Ðà Ü àà  àà 4 àà ` àà Œ àà ¸ àÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà0` 4(#4(#à(ii)à0Œ ` (#` (#àà0¸ Œ (#Œ (#àthe€consumer€provides€specific€written€consent€for€the€furnishing€of€theÐ ^®  Ðreport€that€describes€in€clear€and€conspicuous€language€the€use€for€whichÐ D”  Ðthe€information€will€be€furnished;€orÐ*z ¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àÔ_Ô(C)Ô_Ôà0Œ 4(#4(#àthe€information€to€be€furnished€pertains€solely€to€transactions,€accounts,€orÐ öF Ðbalances€relating€to€debts€arising€from€the€receipt€of€medical€services,Ð Ü, Ðproducts,€or€devises,€where€such€information,€other€than€account€status€orÐ Â Ðamounts,€is€restricted€or€reported€using€codes€that€do€not€identify,€or€do€notÐ ¨ø Ðprovide€information€sufficient€to€infer,€the€specific€provider€or€the€nature€ofÐ ŽÞ Ðsuch€services,€products,€or€devices,€as€provided€in€section€605(a)(6).ÐtÄŒ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#à(2)òòà04(#(#àLimitation€on€creditorsóó.€€Except€as€permitted€pursuant€to€paragraph€(3)Ô_Ô(C)Ô_Ô€or€reguƒÐ @ Ðlations€prescribed€under€paragraph€(5)(A),€a€creditor€shall€not€obtain€or€use€medi‚calÐ &v Ðinformation€(other€than€medical€contact€information€treated€in€the€manner€requiredÐ  \ Ðunder€section€605(a)(6))€pertaining€to€a€consumer€in€connection€with€anyÐ òB Ðdetermination€of€the€consumer's€eligibility,€or€continued€eligibility,€for€credit.ÐØ(4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#à(3)à04(#(#àòòActions€authorized€by€federal€law,€insurance€activities€and€regulatory€determinaƒÐ ¤ô Ðtionsóó.€€Section€603(d)(3)€shall€not€be€construed€so€as€to€treat€information€or€anyÐ Š Ú Ðcommunication€of€information€as€a€consumer€report€if€the€information€orÐ p!À  Ðcommunication€is€disclosed€ð!ð€ÐV"¦!4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(A)à0Œ 4(#4(#àin€connection€with€the€business€of€insurance€or€annuities,€including€theÐ "$r# Ðactivities€described€in€section€18B€of€the€model€Privacy€of€ConsumerÐ %X $ ÐFinancial€and€Health€Information€Regulation€issued€by€the€NationalÐ î%>!% ÐAssociation€of€Insurance€Commissioners€(as€in€effect€on€January€1,€2003);ÐÔ&$"&Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(B)à0Œ 4(#4(#àfor€any€purpose€permitted€without€authorization€under€the€Standards€forÐ  (ð#( ÐIndividually€Identifiable€Health€Information€promulgated€by€the€Depart‚mentÐ †)Ö$) Ðof€Health€and€Human€Services€pursuant€to€the€Health€Insurance€PortabilityÐ l*¼%* Ðand€Accountability€Act€of€1996,€or€referred€to€under€section€1179€of€such€Act,Ð R+¢&+ Ðor€described€in€section€502(e)€of€Public€Law€106-102;€or€Ð8,ˆ',Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àÔ_Ô(C)Ô_Ô€à0Œ 4(#4(#àas€otherwise€determined€to€be€necessary€and€appropriate,€by€regulation€orÐ .T). Ðorder€and€subject€to€paragraph€(6),€by€the€Commission,€any€Federal€bankingÐ ê.:*/ Ðagency€or€the€National€Credit€Union€Administration€(with€respect€to€anyÐ Ð/ +0 ÐÑÄÑâ âÑ>ÇÑѰ°ÑÑ Ñâ âÑ  Ñfinancial€institution€subject€to€the€jurisdiction€of€such€agency€or€AdministraƒÐ ° Ðtion€under€paragraph€(1),€(2),€or€(3)€of€section€621(b),€or€the€applicable€StateÐ –æ Ðinsurance€authority€(with€respect€to€any€person€engaged€in€providingÐ |Ì Ðinsurance€or€annuities).Ðb²Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#à(4)€òòà0` (#(#àLimitation€on€redisclosure€of€medical€informationóó.€€Any€person€that€receivesÐ . ~ Ðmedical€information€pursuant€to€paragraph€(1)€or€(3)€shall€not€disclose€suchÐ  d Ðinformation€to€any€other€person,€except€as€necessary€to€carry€out€the€purpose€forÐ ú J Ðwhich€the€information€was€initially€disclosed,€or€as€otherwise€permitted€byÐ à 0 Ðstatute,€regulation,€or€order.ÐÆ  ` (#` (# ÐÌà Ü àà  à(5)€à0 ` àRegulations€and€Effective€Date€for€Paragraph€(2)Ð’â ` (#` (# ÐÌÒ°Òà Ü àà  àà 4 à(A)€òòà0 Œ àRegulations€requiredóó.€€Each€Federal€banking€agency€and€the€National€CreditÐ ^®  ÐUnion€Administration€shall,€subject€to€paragraph€(6)€and€after€notice€andÐ D”  Ðopportunity€for€comment,€prescribe€regulations€that€permit€transactions€underÐ *z  Ðparagraph€(2)€that€are€determined€to€be€necessary€and€appropriate€to€protectÐ ` Ðlegitimate€operational,€transactional,€risk,€consumer,€and€other€needs€(andÐ öF Ðwhich€shall€include€permitting€actions€necessary€for€administrative€verificationÐ Ü, Ðpurposes),€consistent€with€the€intent€of€paragraph€(2)€to€restrict€the€use€ofÐ Â Ðmedical€information€for€inappropriate€purposes.ШøŒ ¾#Œ ¾# ÐÌÒeÒà0 Ü àà0Üs#Üs#àà04s#s#à(B)òòà0Œ 4s#4s#àFinal€regulations€requiredóó.€€The€Federal€banking€agencies€and€the€NationalÐ tÄ ÐCredit€Union€Administration€shall€issue€the€regulations€required€under€subƒÐ Zª Ðparagraph€(A)€in€final€form€before€the€end€of€the€6-month€period€beginning€onÐ @ Ðthe€date€of€enactment€of€the€Fair€and€Accurate€Credit€Transactions€ActÐ&vŒ s#Œ s# ÐÒXeÒà Ü àà  àà 4 àà ` àà Œ àof€2003.à€RRT€%àòòò òSee€also€12€CFR€Parts€41/222/232/334/571/717ˆÐ  \ Ðà€ÆÆc€%à70€Fed.€Reg.€70664€(11/22/05)ó óóóˆÐ òB ÐÒ°XÒà0 Ü àà0Ü(#Ü(#à(6)à04(#(#àòòCoordination€with€other€lawsóó.€€No€provision€of€this€subsection€shall€be€construed€asÐ Ø( Ðaltering,€affecting,€or€superseding€the€applicability€of€any€other€provision€of€FederalÐ ¾ Ðlaw€relating€to€medical€confidentiality.Фô4(#4(# ÐÌÒ£°Òò òðð€605.€€Requirements€relating€to€information€contained€in€consumer€reportsó ó€ò ò€ó ó[15€U.S.C.€ðð1681c]Ð p!À  ÐÌÒ°£Ò€€€à0 Ü à(a)à0Ü(#Ü(#àòòInformation€excluded€from€consumer€reports.óó€€Except€as€authorized€under€subsection€(b)Ð <#Œ" Ðof€this€section,€no€consumer€reporting€agency€may€make€any€consumer€report€containingÐ "$r# Ðany€of€the€following€items€of€information:Ð%X $(#(# ÐÌ€à Ü àà  à(1)à0 4 àCases€under€title€11€[United€States€Code]€or€under€the€Bankruptcy€Act€that,€from€theÐ Ô&$"& Ðdate€of€entry€of€the€order€for€relief€or€the€date€of€adjudication,€as€the€case€may€be,Ð º' #' Ðantedate€the€report€by€more€than€10€years.Р(ð#(4(#4(# ÐÌ€à Ü àà  à(2)à0 4 àCivil€suits,€civil€judgments,€and€records€of€arrest€that€from€date€of€entry,€antedate€theÐ l*¼%* Ðreport€by€more€than€seven€years€or€until€the€governing€statute€of€limitations€hasÐ R+¢&+ Ðexpired,€whichever€is€the€longer€period.Ð8,ˆ',4(#4(# ÐÌà Ü àà  à(3)à0 4 àPaid€tax€liens€which,€from€date€of€payment,€antedate€the€report€by€more€than€sevenÐ .T). Ðyears.Ðê.:*/4(#4(# ÐÐ Ð/ +0 ÐÑF+ƒÑâ FâÑÇ>ÑÑ8°ÑÑ$Ñâ FâÑ  Ñà Ü àà  à(4)à0 4 àAccounts€placed€for€collection€or€charged€to€profit€and€loss€which€antedate€the€reportÐ 8 Ðby€more€than€seven€years.׃š×Ý ƒÿÿÝòòÚ  Ú4Ú  ÚóóÝ  Ý×  ×à ” àà À àà ì àà  àà D àà p àà œ àà È àÐæ4(#4(# ÐÌà Ü àà  à(5)à0 4 àAny€other€adverse€item€of€information,€other€than€records€of€convictions€of€crimesÐ ê² Ðwhich€antedates€the€report€by€more€than€seven€years.òò4óóÐИ4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#à(6)à04(#(#àThe€name,€address,€and€telephone€number€of€any€medical€information€furnisher€thatÐ œ d Ðhas€notified€the€agency€of€its€status,€unless--Ђ J4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#àà 4 à(A)à0Œ (#(#àsuch€name,€address,€and€telephone€number€are€restricted€or€reported€usingÐ N   Ðcodes€that€do€not€identify,€or€provide€information€sufficient€to€infer,€theÐ 4 ü  Ðspecific€provider€or€the€nature€of€such€services,€products,€or€devices€to€aÐ â  Ðperson€other€than€the€consumer;€orÐÈ Œ (#Œ (# ÐÌÒϰÒà0 Ü àà0Ü $Ü $àà 4 à(B)à0Œ  $ $àthe€report€is€being€provided€to€an€insurance€company€for€a€purpose€relating€toÐ Ì”  Ðen‚gaging€in€the€business€of€insurance€other€than€property€and€casualty€insurance.вz Œ $Œ $ ÐÌÓ€ ((·E88ÓÒ°ÏÒà Ü à(b)à0  àòòExempted€cases.óó€€The€provisions€of€paragraphs€(1)€through€(5)€of€subsection€(a)€of€thisÐ ~F Ðsection€are€not€applicable€in€the€case€of€any€consumer€credit€report€to€be€used€inÐ d, Ðconnection€with€ÐJ(#(# ÐÌà Ü àà  à(1)à0 4 àa€credit€transaction€involving,€or€which€may€reasonably€be€expected€to€involve,€aÐ Þ Ðprincipal€amount€of€$150,000€or€more;ÐüÄ4(#4(# ÐÌà Ü àà  à(2)à0 4 àthe€underwriting€of€life€insurance€involving,€or€which€may€reasonably€be€expected€toÐ È Ðinvolve,€a€face€amount€of€$150,000€or€more;€orЮv4(#4(# ЀÌà Ü àà  à(3)à0 4 àthe€employment€of€any€individual€at€an€annual€salary€which€equals,€or€which€mayÐ zB Ðreasonably€be€expected€to€equal€$75,000,€or€more.€€€Ð`(4(#4(# ÐÌà Ü àÔ_Ô(c)Ô_Ôà0  àRunning€of€Reporting€PeriodÐ,ô(#(# ÐÌÒ°Òà0 Ü àà  à(1)à04ܾ#ܾ#àòòIn€general.óó€€The€7-year€period€referred€to€in€paragraphs€(4)€and€(6)€×ƒ¢Ý×Ý ƒÿÿÝòòÚ  Ú5Ú  ÚóóÝ  Ý×  ×€of€subsection€(a)Ð ø À  Ðshall€begin,€with€respect€to€any€delinquent€account€that€is€placed€for€collectionÐ Þ!¦! Ð(internally€or€by€referral€to€a€third€party,€whichever€is€earlier),€charged€to€profit€andÐ Ä"Œ" Ðloss,€or€subjected€to€any€similar€action,€upon€the€expiration€of€the€180-day€periodÐ ª#r# Ðbeginning€on€the€date€of€the€commencement€of€the€delinquency€which€immediatelyÐ $X $ Ðpreceded€the€collection€activity,€charge€to€profit€and€loss,€or€similar€action.Ðv%>!%4¾#4¾# ÐÌà0 Ü àà  à(2)à04ܾ#ܾ#àòòEffective€date.€óó€Paragraph€(1)€shall€apply€only€to€items€of€information€added€to€the€fileÐ B' #' Ðof€a€consumer€on€or€after€the€date€that€is€455€days€after€the€date€of€enactment€of€theÐ ((ð#( ÐConsumer€Credit€Reporting€Reform€Act€of€1996.Ð)Ö$)4¾#4¾# ÐÑ3‡•Ñâ 3âѰ8Ñâ 3âÑ  ÑÌà Ü à(d)à0  àInformation€Required€to€be€DisclosedЖæ¾#¾# ÐÌÒ°Òà0 Ü àà0Ü(#Ü(#à(1)à04(#(#àòòTitle€11€informationóó.€€Any€consumer€reporting€agency€that€furnishes€a€consumerÐ b² Ðreport€that€contains€information€regarding€any€case€involving€the€consumer€that€arisesÐ H˜ Ðunder€title€11,€United€States€Code,€shall€include€in€the€report€an€identification€of€theÐ . ~ Ðchapter€of€such€title€11€under€which€such€case€arises€if€provided€by€the€source€of€theÐ  d Ðinformation.€If€any€case€arising€or€filed€under€title€11,€United€States€Code,€isÐ ú J Ðwithdrawn€by€the€consumer€before€a€final€judgment,€the€consumer€reporting€agencyÐ à 0 Ðshall€include€in€the€report€that€such€case€or€filing€was€withdrawn€upon€receipt€ofÐ Æ   Ðdocumentation€certifying€such€withdrawal.Ь ü 4(#4(# Ðà Ü àÌÒe°Òà0 Ü àà0Üs#Üs#à(2)à04s#s#àòòKey€factor€in€credit€score€information.óó€Any€consumer€reporting€agency€that€fur‚nishesÐ xÈ  Ða€consumer€report€that€contains€any€credit€score€or€any€other€risk€score€or€predictor€onÐ ^®  Ðany€consumer€shall€include€in€the€report€a€clear€and€conspicuous€statement€that€a€keyÐ D”  Ðfactor€(as€defined€in€section€609(f)(2)(B))€that€adversely€affected€such€score€orÐ *z  Ðpredictor€was€the€number€of€enquiries,€if€such€a€predictor€was€in€fact€a€key€factor€thatÐ ` Ðadversely€affected€such€score.€This€paragraph€shall€not€apply€to€a€check€servicesÐ öF Ðcompany,€acting€as€such,€which€issues€authorizations€for€the€purpose€of€approving€orÐ Ü, Ðprocessing€negotiable€instruments,€electronic€fund€transfers,€or€similar€methods€ofÐ Â Ðpayments,€but€only€to€the€extent€that€such€company€is€engaged€in€such€activities.Шø4s#4s# ÐÌÒ°eÒà Ü à(e)à0  àòòIndication€of€closure€of€account€by€consumeróó.€€If€a€consumer€reporting€agency€is€notifiedÐ tÄ Ðpursuant€to€section€623(a)(4)€[ðð1681s„2]€that€a€credit€account€of€a€consumer€wasÐ Zª Ðvoluntarily€closed€by€the€consumer,€the€agency€shall€indicate€that€fact€in€any€consumerÐ @ Ðreport€that€includes€information€related€to€the€account.Ð&v(#(# ÐÌà Ü à(f)à0  àòòIndication€of€dispute€by€consumeróó.€€If€a€consumer€reporting€agency€is€notified€pursuant€toÐ òB Ðsection€623(a)(3)€[ðð1681s„2]€that€information€regarding€a€consumer€who€was€furnishedÐ Ø( Ðto€the€agency€is€disputed€by€the€consumer,€the€agency€shall€indicate€that€fact€in€eachÐ ¾ ÐcÔ_ÔonsumerÔ_Ô€report€that€includes€the€disputed€information.Фô(#(# ÐÌà Ü à(g)€Truncation€of€Credit€Card€and€Debit€Card€NumbersÐ p!À  ÐÌà0 Ü àà0Ü(#Ü(#à(1)à04(#(#àIòòn€generalóó.€Except€as€otherwise€provided€in€this€subsection,€no€person€that€acceptsÐ <#Œ" Ðcredit€cards€or€debit€cards€for€the€transaction€of€business€shall€print€more€than€the€lastÐ "$r# Ð5€digits€of€the€card€number€or€the€expiration€date€upon€any€receipt€provided€to€theÐ %X $ Ðcardholder€at€the€point€of€the€sale€or€transaction.Ðî%>!%4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#à(2)à04(#(#àòòLimitationóó.€€This€subsection€shall€apply€only€to€receipts€that€are€electronicallyÐ º' #' Ðprinted,€and€shall€not€apply€to€transactions€in€which€the€sole€means€of€recording€aÐ  (ð#( Ðcredit€card€or€debit€card€account€number€is€by€handwriting€or€by€an€imprint€or€copyÐ †)Ö$) Ðof€the€card.Ðl*¼%*4(#4(# Ðà Ü àà  àà 4 àà ` àà Œ àà ¸ àà ä àà  àà < àÌà Ü àà  à(3)€òòEffective€dateóó.€€This€subsection€shall€become€effective--Ð 8,ˆ', ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(A)à0Œ 4(#4(#à3€years€after€the€date€of€enactment€of€this€subsection,€with€respect€to€any€cashÐ .T). Ðregister€or€other€machine€or€device€that€electronically€prints€receipts€for€cred‚itÐ ê.:*/ Ðcard€or€debit€card€transactions€that€is€in€use€before€January€1,€2005;€andÐÐ/ +0Œ (#Œ (# ÐÐ ¶0,1 ÐÑ•”XÑâ •âÑ8°ÑÑÇÇÑâ •âÑ  ÑÒ„°Òà0 Ü àà0ÜT$ÜT$àà 4 à(B)à0Œ T$T$à1€year€after€the€date€of€enactment€of€this€subsection,€with€respect€to€any€cash€regƒÐ 8 Ðis‚ter€or€other€machine€or€device€that€electronically€prints€receipts€for€credit€cardÐ æ Ðor€debit€card€transactions€that€is€first€put€into€use€on€or€after€January€1,€2005.ÐÌŒ T$Œ T$ Ðà Ü àà  àà 4 àà ` àÌà Ü à(h)€Notice€of€Discrepancy€in€AddressРИ ÐÌÒ„ÒÒe°Òà0 ‘ àà ½ à(1)à0鑾#‘¾#àòòIn€generalóó.€€If€a€person€has€requested€a€consumer€report€relating€to€a€consumer€from€aÐ œ d Ðconsumer€reporting€agency€described€in€section€603(p),€the€request€includes€an€addressÐ ‚ J Ðfor€the€consumer€that€substantially€differs€from€the€addresses€in€the€file€of€the€consum‚er,Ð h 0 Ðand€the€agency€provides€a€consumer€report€in€response€to€the€request,€the€consumerÐ N   Ðreporting€agency€shall€notify€the€requester€of€the€existence€of€the€discrepancy.€€€€€€€€€Ô‡4,-ï ,X,¦Ô€€€€€€€€€€€€€€€€Ð4 ü é¾#é¾# Ѐ€€€€Ô#†,¦X ,4,-ïÿ”#Ôòòò òÐ â  ÐÒ°eµ’ÒÒXÒà€00h€%àSee€also€16€CFR€Part€641ˆÐ U  Ðóóó óà Ü àà  à(2)€Regulations€òòò òà€»»`€%à72€Fed.€Reg.€63771„72€(11/09/07)óóó óˆÐ s;  Ðà Ü àà€»»`€%àòòò ò74€Fed.€Reg.€22640„41€(05/14/09)ˆÐ Y!  Ðó óóóÔ‡4,-ï ,X,¦Ô€Ô#†,¦X ,4,-ïÒ–#Ôòòò òó óóóÐ ?  ÐÒ°XÒà0 Ü àà0Ü(#Ü(#àà04(#(#à(A)à0Œ 4(#4(#àòòRegulations€required.óó€€The€Federal€banking€agencies,€the€National€CreditÐ ²z  ÐUnion€Administration,€and€the€Commission€shall€jointly,€with€respect€to€theÐ ˜` Ðentities€that€are€subject€to€their€respective€enforcement€authority€under€sectionÐ ~F Ð621,€prescribe€regulations€providing€guidance€regarding€reasonable€policiesÐ d, Ðand€procedures€that€a€user€of€a€consumer€report€should€employ€when€suchÐ J Ðuser€has€received€a€notice€of€discrepancy€under€paragraph€(1).Ð0øŒ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(B)à0Œ 4(#4(#àòòPolicies€and€procedures€to€be€included.óó€€The€regulations€prescribed€underÐ üÄ Ðsubparagraph€(A)€shall€describe€reasonable€policies€and€procedures€for€use€byР⪠Ða€user€of€a€consumer€report--ÐÈŒ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà0` 4(#4(#à(i)à0Œ ` (#` (#àà0¸ Œ (#Œ (#àto€form€a€reasonable€belief€that€the€user€knows€the€identity€of€the€personÐ ”\ Ðto€whom€the€consumer€report€pertains;€andÐzB¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà0` 4(#4(#à(ii)à0Œ ` (#` (#àà0¸ Œ (#Œ (#àif€the€user€establishes€a€continuing€relationship€with€the€consumer,€and€theÐ F Ðuser€regularly€and€in€the€ordinary€course€of€business€furnishes€informationÐ ,ô Ðto€the€consumer€reporting€agency€from€which€the€notice€of€discrepancyÐ  Ú  Ðpertaining€to€the€consumer€was€obtained,€to€reconcile€the€address€of€theÐ ø À! Ðconsumer€with€the€consumer€reporting€agency€by€furnishing€such€addressÐ Þ!¦" Ðto€such€consumer€reporting€agency€as€part€of€information€regularly€furƒÐ Ä"Œ# Ðnished€by€the€user€for€the€period€in€which€the€relationship€is€established.Ъ#r$¸ (#¸ (# Ðà Ü àà  àÌò òðð605A.€Identity€theft€prevention;€fraud€alerts€and€active€duty€alertsó ó€[15€U.S.C.€ðð1681c„1]Ð v%>!& ÐÌà Ü à(a)€One-call€Fraud€AlertsÐ B' #( ÐÌà0 Ü àà0Ü(#Ü(#à(1)à04(#(#àòòInitial€alerts.€óó€Upon€the€direct€request€of€a€consumer,€or€an€individual€acting€onÐ )Ö$* Ðbehalf€of€or€as€a€personal€representative€of€a€consumer,€who€asserts€in€good€faith€aÐ ô)¼%+ Ðsuspicion€that€the€consumer€has€been€or€is€about€to€become€a€victim€of€fraud€orÐ Ú*¢&, Ðrelated€crime,€including€identity€theft,€a€consumer€reporting€agency€described€inÐ À+ˆ'- Ðsection€603(p)€that€maintains€a€file€on€the€consumer€and€has€received€appropriateÐ ¦,n(. Ðproof€of€the€identity€of€the€requester€shall€ð!ð€ÐŒ-T)/4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(A)à0Œ 4(#4(#àinclude€a€fraud€alert€in€the€file€of€that€consumer,€and€also€provide€that€alertÐ X/ +1 Ðalong€with€any€credit€score€generated€in€using€that€file,€for€a€period€of€not€lessÐ >0,2 ÐÑ–ýÑâ –âÑÇÇÑѰ8Ñâ –âÑ  Ñthan€90€days,€beginning€on€the€date€of€such€request,€unless€the€consumer€orÐ ° Ðsuch€representative€requests€that€such€fraud€alert€be€removed€before€the€end€ofÐ –æ Ðsuch€period,€and€the€agency€has€received€appropriate€proof€of€the€identity€ofÐ |Ì Ðthe€requester€for€such€purpose;€andÐb²Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(B)à0Œ 4(#4(#àrefer€the€information€regarding€the€fraud€alert€under€this€paragraph€to€each€ofÐ . ~ Ðthe€other€consumer€reporting€agencies€described€in€section€603(p),€inÐ  d Ðaccordance€with€procedures€developed€under€section€621(f).Ðú JŒ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#à(2)à04(#(#àòòAccess€to€free€reports.€óó€In€any€case€in€which€a€consumer€reporting€agency€includes€aÐ Æ   Ðfraud€alert€in€the€file€of€a€consumer€pursuant€to€this€subsection,€the€consumerÐ ¬ ü  Ðreporting€agency€shall€ð!ð€Ð’â 4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(A)à0Œ 4(#4(#àdisclose€to€the€consumer€that€the€consumer€may€request€a€free€copy€of€the€fileÐ ^®  Ðof€the€consumer€pursuant€to€section€612(d);€andÐD” Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(B)à0Œ 4(#4(#àprovide€to€the€consumer€all€disclosures€required€to€be€made€under€sectionÐ ` Ð609,€without€charge€to€the€consumer,€not€later€than€3€business€days€after€anyÐ öF Ðrequest€described€in€subparagraph€(A).ÐÜ,Œ (#Œ (# ÐÌà Ü à(b)à0  àExtended€AlertsШø(#(# ÐÌà0 Ü àà0Ü(#Ü(#à(1)à04(#(#àòòIn€general.€óó€Upon€the€direct€request€of€a€consumer,€or€an€individual€acting€on€behalfÐ tÄ Ðof€or€as€a€personal€representative€of€a€consumer,€who€submits€an€identity€theft€reportÐ Zª Ðto€a€consumer€reporting€agency€described€in€section€603(p)€that€maintains€a€file€onÐ @ Ðthe€consumer,€if€the€agency€has€received€appropriate€proof€of€the€identity€of€theÐ &v Ðrequester,€the€agency€shall€ð!ð€Ð \4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(A)à0Œ 4(#4(#àinclude€a€fraud€alert€in€the€file€of€that€consumer,€and€also€provide€that€alertÐ Ø( Ðalong€with€any€credit€score€generated€in€using€that€file,€during€the€7-yearÐ ¾ Ðperiod€beginning€on€the€date€of€such€request,€unless€the€consumer€or€suchÐ ¤ô Ðrepresentative€requests€that€such€fraud€alert€be€removed€before€the€end€of€suchÐ Š Ú Ðperiod€and€the€agency€has€received€appropriate€proof€of€the€identity€of€theÐ p!À  Ðrequester€for€such€purpose;€ÐV"¦!Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(B)à0Œ 4(#4(#àduring€the€5-year€period€beginning€on€the€date€of€such€request,€exclude€theÐ "$r# Ðconsumer€from€any€list€of€consumers€prepared€by€the€consumer€reportingÐ %X $ Ðagency€and€provided€to€any€third€party€to€offer€credit€or€insurance€to€theÐ î%>!% Ðconsumer€as€part€of€a€transaction€that€was€not€initiated€by€the€consumer,Ð Ô&$"& Ðunless€the€consumer€or€such€representative€requests€that€such€exclusion€beÐ º' #' Ðrescinded€before€the€end€of€such€period;€andР(ð#(Œ (#Œ (# ÐÌÒ°Òà0 Ü àà0ܾ#ܾ#àà04¾#¾#àÔ_Ô(C)Ô_Ôà0Œ 4¾#4¾#àrefer€the€information€regarding€the€extended€fraud€alert€under€this€para‚graph€toÐ l*¼%* Ðeach€of€the€other€consumer€reporting€agencies€described€in€section€603(p),€inÐ R+¢&+ Ðaccordance€with€procedures€developed€under€section€621(f).Ð8,ˆ',Œ ¾#Œ ¾# ÐÌÒ°Òà0 Ü àà0Ü(#Ü(#à(2)€òòAccess€to€free€reports.€€óóIn€any€case€in€which€a€consumer€reporting€agency€includes€aÐ .T). Ðfraud€alert€in€the€file€of€a€consumer€pursuant€to€this€subsection,€the€consumer€reportingÐ ê.:*/ Ðagency€shall€ð!ð€ÐÐ/ +0(#(# ÐÐ ¶0,1 Ðà0 Ü àà0Ü(#Ü(#àà04(#(#à(A)à0Œ 4(#4(#àdisclose€to€the€consumer€that€the€consumer€may€request€2€free€copies€of€theÐ ° Ðfile€of€the€consumer€pursuant€to€section€612(d)€during€the€12-month€periodÐ –æ Ðbeginning€on€the€date€on€which€the€fraud€alert€was€included€in€the€file;€andÐ|ÌŒ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(B)à0Œ 4(#4(#àprovide€to€the€consumer€all€disclosures€required€to€be€made€under€sectionÐ H˜ Ð609,€without€charge€to€the€consumer,€not€later€than€3€business€days€after€anyÐ . ~ Ðrequest€described€in€subparagraph€(A).Ð dŒ (#Œ (# ÐÌà0 Ü àÔ_Ô(c)Ô_Ôà0Ü(#Ü(#àòòActive€duty€alertsóó.€Upon€the€direct€request€of€an€active€duty€military€consumer,€or€anÐ à 0 Ðindividual€acting€on€behalf€of€or€as€a€personal€representative€of€an€active€duty€militaryÐ Æ   Ðconsumer,€a€consumer€reporting€agency€described€in€section€603(p)€that€maintains€a€fileÐ ¬ ü  Ðon€the€active€duty€military€consumer€and€has€received€appropriate€proof€of€the€identity€ofÐ ’â  Ðthe€requester€shall€ð!ð€ÐxÈ (#(# ÐÌà0 Ü àà0Ü(#Ü(#à(1)à04(#(#àinclude€an€active€duty€alert€in€the€file€of€that€active€duty€military€consumer,€and€alsoÐ D”  Ðprovide€that€alert€along€with€any€credit€score€generated€in€using€that€file,€during€aÐ *z  Ðperiod€of€not€less€than€12€months,€or€such€longer€period€as€the€Commission€shallÐ ` Ðdetermine,€by€regulation,€beginning€on€the€date€of€the€request,€unless€the€active€dutyÐ öF Ðmilitary€consumer€or€such€representative€requests€that€such€fraud€alert€be€removedÐ Ü, Ðbefore€the€end€of€such€period,€and€the€agency€has€received€appropriate€proof€of€theÐ Â Ðidentity€of€the€requester€for€such€purpose;Шø4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#à(2)à04(#(#àduring€the€2-year€period€beginning€on€the€date€of€such€request,€exclude€the€activeÐ tÄ Ðduty€military€consumer€from€any€list€of€consumers€prepared€by€the€consumerÐ Zª Ðreporting€agency€and€provided€to€any€third€party€to€offer€credit€or€insurance€to€theÐ @ Ðconsumer€as€part€of€a€transaction€that€was€not€initiated€by€the€consumer,€unless€theÐ &v Ðconsumer€requests€that€such€exclusion€be€rescinded€before€the€end€of€such€period;Ð  \ ÐandÐòB4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#à(3)à04(#(#àrefer€the€information€regarding€the€active€duty€alert€to€each€of€the€other€consumerÐ ¾ Ðreporting€agencies€described€in€section€603(p),€in€accordance€with€proceduresФô4(#4(# ÐÒX°Ò€à0 Ü àà0Ü€%Ü€%àà04€%€%àdeveloped€under€section€621(f).òòò òà€ššf€%4€%4€%àSee€also€16€CFR€Part€613.1ˆÐ Š Ú Ðà€ÆÆc€%à69€Fed.€Reg.€63922€(11/03/04)Ô‡ȦXX,¦ÔˆÐ p!À  Ðà Ü àà0  àÐ €%€% Ðóóó óÔ#†,¦XXȦàÀ#ÔÒ°XÒà0 Ü à(d)à0Ü(#Ü(#àòòProcedures.€€óóEach€consumer€reporting€agency€described€in€section€603(p)€shall€establishÐ <#Œ" Ðpolicies€and€procedures€to€comply€with€this€section,€including€procedures€that€informÐ "$r# Ðconsumers€of€the€availability€of€initial,€extended,€and€active€duty€alerts€and€proceduresÐ %X $ Ðthat€allow€consumers€and€active€duty€military€consumers€to€request€initial,€extended,€orÐ î%>!% Ðactive€duty€alerts€(as€applicable)€in€a€simple€and€easy€manner,€including€by€telephone.ÐÔ&$"&(#(# ÐÌà0 Ü à(e)à0Ü(#Ü(#àòòReferrals€of€alerts.€€óóEach€consumer€reporting€agency€described€in€section€603(p)€thatÐ  (ð#( Ðreceives€a€referral€of€a€fraud€alert€or€active€duty€alert€from€another€consumer€reportingÐ †)Ö$) Ðagency€pursuant€to€this€section€shall,€as€though€the€agency€received€the€request€from€theÐ l*¼%* Ðconsumer€directly,€follow€the€procedures€required€under€ð!ð€ÐR+¢&+(#(# ÐÌà0 Ü àà0Ü(#Ü(#à(1)à04(#(#àparagraphs€(1)(A)€and€(2)€of€subsection€(a),€in€the€case€of€a€referral€under€subsectionÐ -n(- Ð(a)(1)(B);Ð.T).4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#à(2)à04(#(#àparagraphs€(1)(A),€(1)(B),€and€(2)€of€subsection€(b),€in€the€case€of€a€referral€underÐ Ð/ +0 Ðsubsection€(b)(1)Ô_Ô(C)Ô_Ô;€andж0,14(#4(# ÐÑ?ŽOÑâ ?âÑÇÇÑѰ°Ñâ ?âÑ  ÑÌà0 Ü àà0Ü(#Ü(#à(3)à04(#(#àparagraphs€(1)€and€(2)€of€subsection€Ô_Ô(c)Ô_Ô,€in€the€case€of€a€referral€under€subsectionÐ –æ Ð(c)(3).Ð|Ì4(#4(# ÐÌà0 Ü à(f)à0Ü(#Ü(#àòòDuty€of€reseller€to€reconvey€alert.€€óóA€reseller€shall€include€in€its€report€any€fraud€alert€orÐ H˜ Ðactive€duty€alert€placed€in€the€file€of€a€consumer€pursuant€to€this€section€by€anotherÐ . ~ Ðconsumer€reporting€agency.Ð d(#(# ÐÌà0 Ü à(g)òòà0Ü(#Ü(#àDuty€of€other€consumer€reporting€agencies€to€provide€contact€information.óó€€If€aÐ à 0 Ðconsumer€contacts€any€consumer€reporting€agency€that€is€not€described€in€section€603(p)Ð Æ   Ðto€communicate€a€suspicion€that€the€consumer€has€been€or€is€about€to€become€a€victim€ofÐ ¬ ü  Ðfraud€or€related€crime,€including€identity€theft,€the€agency€shall€provide€information€toÐ ’â  Ðthe€consumer€on€how€to€contact€the€Commission€and€the€consumer€reporting€agenciesÐ xÈ  Ðdescribed€in€section€603(p)€to€obtain€more€detailed€information€and€request€alerts€underÐ ^®  Ðthis€section.ÐD” (#(# ÐÌà Ü à(h)€Limitations€on€Use€of€Information€for€Credit€ExtensionsÐ ` ÐÌà Ü àà  à(1)€Requirements€for€initial€and€active€duty€alertsÐ Ü, ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(A)à0Œ 4(#4(#àòòNotification.€óó€Each€initial€fraud€alert€and€active€duty€alert€under€this€sectionÐ ¨ø Ðshall€include€information€that€notifies€all€prospective€users€of€a€consumerÐ ŽÞ Ðreport€on€the€consumer€to€which€the€alert€relates€that€the€consumer€does€notÐ tÄ Ðauthorize€the€establishment€of€any€new€credit€plan€or€extension€of€credit,Ð Zª Ðother€than€under€an€open-end€credit€plan€(as€defined€in€section€103(i)),€in€theÐ @ Ðname€of€the€consumer,€or€issuance€of€an€additional€card€on€an€existing€creditÐ &v Ðaccount€requested€by€a€consumer,€or€any€increase€in€credit€limit€on€an€existingÐ  \ Ðcredit€account€requested€by€a€consumer,€except€in€accordance€withÐ òB Ðsubparagraph€(B).ÐØ(Œ (#Œ (# ÐÌà Ü àà  àà 4 à(B)€à0 Œ àLimitation€on€UsersФôŒ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà0` 4(#4(#à(i)à0Œ ` (#` (#àòòà0¸ Œ (#Œ (#àIn€generalóó.€€No€prospective€user€of€a€consumer€report€that€includes€anÐ p!À  Ðinitial€fraud€alert€or€an€active€duty€alert€in€accordance€with€this€sectionÐ V"¦! Ðmay€establish€a€new€credit€plan€or€extension€of€credit,€other€than€under€anÐ <#Œ" Ðopen-end€credit€plan€(as€defined€in€section€103(i)),€in€the€name€of€theÐ "$r# Ðconsumer,€or€issue€an€additional€card€on€an€existing€credit€accountÐ %X $ Ðrequested€by€a€consumer,€or€grant€any€increase€in€credit€limit€on€anÐ î%>!% Ðexisting€credit€account€requested€by€a€consumer,€unless€the€user€utilizesÐ Ô&$"& Ðreasonable€policies€and€procedures€to€form€a€reasonable€belief€that€theÐ º' #' Ðuser€knows€the€identity€of€the€person€making€the€request.€Ð (ð#(¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà0` 4(#4(#à(ii)òòà0Œ ` (#` (#àà0¸ Œ (#Œ (#àVerification.€óó€If€a€consumer€requesting€the€alert€has€specified€a€telephoneÐ l*¼%* Ðnumber€to€be€used€for€identity€verification€purposes,€before€authorizingÐ R+¢&+ Ðany€new€credit€plan€or€extension€described€in€clause€(i)€in€the€name€ofÐ 8,ˆ', Ðsuch€consumer,€a€user€of€such€consumer€report€shall€contact€the€consumerÐ -n(- Ðusing€that€telephone€number€or€take€reasonable€steps€to€verify€theÐ .T). Ðconsumer's€identity€and€confirm€that€the€application€for€a€new€credit€planÐ ê.:*/ Ðis€not€the€result€of€identity€theft.ÐÐ/ +0¸ (#¸ (# ÐÐ ¶0,1 ÐÑÅïcÑâ ÅâÑÇÇÑâ ÅâÑ  Ñà Ü àà  à(2)à0 4 àRequirements€for€Extended€Alerts€Ð°4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(A)à0Œ 4(#4(#àòòNotification.óó€€Each€extended€alert€under€this€section€shall€include€informationÐ |Ì Ðthat€provides€all€prospective€users€of€a€consumer€report€relating€to€a€consumerÐ b² Ðwith€ð!ðÐH˜Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà0` 4(#4(#à(i)à0Œ ` (#` (#àà0¸ Œ (#Œ (#ànotification€that€the€consumer€does€not€authorize€the€establishment€of€anyÐ  d Ðnew€credit€plan€or€extension€of€credit€described€in€clause€(i),€other€thanÐ ú J Ðunder€an€open-end€credit€plan€(as€defined€in€section€103(i)),€in€the€nameÐ à 0 Ðof€the€consumer,€or€issuance€of€an€additional€card€on€an€existing€creditÐ Æ   Ðaccount€requested€by€a€consumer,€or€any€increase€in€credit€limit€on€anÐ ¬ ü  Ðexisting€credit€account€requested€by€a€consumer,€except€in€accordanceÐ ’â  Ðwith€subparagraph€(B);€andÐxÈ ¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà0` 4(#4(#à(ii)€à0¸ ` (#` (#àa€telephone€number€or€other€reasonable€contact€method€designated€by€theÐ D”  Ðconsumer.Ð*z ¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(B)à0Œ 4(#4(#àòòLimitation€on€users.€óó€No€prospective€user€of€a€consumer€report€or€of€a€creditÐ öF Ðscore€generated€using€the€information€in€the€file€of€a€consumer€that€includesÐ Ü, Ðan€extended€fraud€alert€in€accordance€with€this€section€may€estab‚lish€a€newÐ Â Ðcredit€plan€or€extension€of€credit,€other€than€under€an€open-end€credit€plan€(asÐ ¨ø Ðdefined€in€section€103(i)),€in€the€name€of€the€consumer,€or€issue€an€additionalÐ ŽÞ Ðcard€on€an€existing€credit€account€requested€by€a€consumer,€or€any€increase€inÐ tÄ Ðcredit€limit€on€an€existing€credit€account€requested€by€a€consumer,€unless€theÐ Zª Ðuser€contacts€the€consumer€in€person€or€using€the€contact€method€described€inÐ @ Ðsubparagraph€(A)(ii)€to€confirm€that€the€application€for€a€new€credit€plan€orÐ &v Ðincrease€in€credit€limit,€or€request€for€an€additional€card€is€not€the€result€ofÐ  \ Ðidentity€theft.ÐòBŒ (#Œ (# ÐÌò òðð€605B.€Block€of€information€resulting€from€identity€theftó ó€€[15€U.S.C.€ðð1681c„2]Ð ¾ ÐÌà Ü à(a)à0  àòòBlock.€óó€Except€as€otherwise€provided€in€this€section,€a€consumer€reporting€agency€shallÐ Š Ú Ðblock€the€reporting€of€any€information€in€the€file€of€a€consumer€that€the€consumerÐ p!À  Ðidentifies€as€information€that€resulted€from€an€alleged€identity€theft,€not€later€than€4Ð V"¦! Ðbusiness€days€after€the€date€of€receipt€by€such€agency€of€ð!ðÐ<#Œ"(#(# Ðà Ü àÌà Ü àà  à(1)€appropriate€proof€of€the€identity€of€the€consumer;Ð %X $ ÐÌà Ü àà  à(2)€a€copy€of€an€identity€theft€report;Ð Ô&$"& ÐÌà Ü àà  à(3)€the€identification€of€such€information€by€the€consumer;€andÐ  (ð#( ÐÌà0 Ü àà0Ü(#Ü(#à(4)à04(#(#àa€statement€by€the€consumer€that€the€information€is€not€information€relating€to€anyÐ l*¼%* Ðtransaction€by€the€consumer.ÐR+¢&+4(#4(# ÐÌà0 Ü à(b)à0Ü(#Ü(#àòòNotification.€€óó€A€consumer€reporting€agency€shall€promptly€notify€the€furnisher€ofÐ -n(- Ðinformation€identified€by€the€consumer€under€subsection€(a)--Ð.T).(#(# ÐÌà Ü àà  à(1)€that€the€information€may€be€a€result€of€identity€theft;Ð Ð/ +0 ÐÐ ¶0,1 ÐÑÆýEÑâ ÆâÑÇÇÑÑ8°Ñâ ÆâÑ  Ñà Ü àà  à(2)€that€an€identity€theft€report€has€been€filed;Ð 8 ÐÌà Ü àà  à(3)€that€a€block€has€been€requested€under€this€section;€andÐ Ì ÐÌà Ü àà  à(4)€of€the€effective€dates€of€the€block.РИ ÐÌà Ü àÔ_Ô(c)Ô_Ô€Authority€to€Decline€or€RescindÐ œ d ÐÌà0 Ü àà0Ü(#Ü(#à(1)à04(#(#àòòIn€general.óó€€A€consumer€reporting€agency€may€decline€to€block,€or€may€rescind€anyÐ h 0 Ðblock,€of€information€relating€to€a€consumer€under€this€section,€if€the€consumerÐ N   Ðreporting€agency€reasonably€determines€that€ð!ð€Ð4 ü 4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(A)à0Œ 4(#4(#àthe€information€was€blocked€in€error€or€a€block€was€requested€by€theÐ È  Ðconsumer€in€error;Ðæ® Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(B)à0Œ 4(#4(#àthe€information€was€blocked,€or€a€block€was€requested€by€the€consumer,€onÐ ²z  Ðthe€basis€of€a€material€misrepresentation€of€fact€by€the€consumer€relevant€toÐ ˜` Ðthe€request€to€block;€orÐ~FŒ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àÔ_Ô(C)Ô_Ôà0Œ 4(#4(#àthe€consumer€obtained€possession€of€goods,€services,€or€money€as€a€result€ofÐ J Ðthe€blocked€transaction€or€transactions.Ð0øŒ (#Œ (# ÐÌÒe°Ò€€€€€à0 Ü àà0Üs#Üs#à(2)à04s#s#àòòNotification€to€consumeróó.€€If€a€block€of€information€is€declined€or€rescinded€under€thisÐ üÄ Ðsubsection,€the€affected€consumer€shall€be€notified€promptly,€in€the€same€manner€asР⪠Ðconsumers€are€notified€of€the€reinsertion€of€information€under€section€611(a)(5)(B).ÐÈ4s#4s# ÐÌÒ°eÒà0 Ü àà0Ü(#Ü(#à(3)à04(#(#àòòSignificance€of€block.€€óóFor€purposes€of€this€subsection,€if€a€consumer€reportingÐ ”\ Ðagency€rescinds€a€block,€the€presence€of€information€in€the€file€of€a€consumer€prior€toÐ zB Ðthe€blocking€of€such€information€is€not€evidence€of€whether€the€consumer€knew€orÐ `( Ðshould€have€known€that€the€consumer€obtained€possession€of€any€goods,€services,€orÐ F Ðmoney€as€a€result€of€the€block.Ð,ô4(#4(# ÐÌà Ü à(d)€Exception€for€ResellersÐ ø À  ÐÌà0 Ü àà0Ü(#Ü(#à(1)à04(#(#àòòNo€reseller€file.€€óóThis€section€shall€not€apply€to€a€consumer€reporting€agency,€if€theÐ Ä"Œ" Ðconsumer€reporting€agency€ð!ð€Ðª#r#4(#4(# ÐÌà Ü àà  àà 4 à(A)€à0 Œ àis€a€reseller;Ðv%>!%Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(B)à0Œ 4(#4(#àis€not,€at€the€time€of€the€request€of€the€consumer€under€subsection€(a),Ð B' #' Ðotherwise€furnishing€or€reselling€a€consumer€report€concerning€theÐ ((ð#( Ðinformation€identified€by€the€consumer;€andÐ)Ö$)Œ (#Œ (# ÐÌÒϰÒà0 Ü àà0Ü $Ü $àà04 $ $àÔ_Ô(C)Ô_Ôà0Œ 4 $4 $àinforms€the€consumer,€by€any€means,€that€the€consumer€may€report€the€identi‚tyÐ Ú*¢&+ Ðtheft€to€the€Commission€to€obtain€consumer€information€regarding€identity€theft.ÐÀ+ˆ',Œ $Œ $ ÐÒ°ÏÒÌà0 Ü àà0Ü(#Ü(#à(2)à04(#(#àòòReseller€with€file.€€óóThe€sole€obligation€of€the€consumer€reporting€agency€under€thisÐ Œ-T). Ðsection,€with€regard€to€any€request€of€a€consumer€under€this€section,€shall€be€to€blockÐ r.:*/ Ðthe€consumer€report€maintained€by€the€consumer€reporting€agency€from€any€subseƒÐ X/ +0 Ðquent€use,€if--Ð>0,14(#4(# ÐÑ™?[Ñâ ™âÑÀ8Ñâ ™âÑ  ÑÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(A)à0Œ 4(#4(#àthe€consumer,€in€accordance€with€the€provisions€of€subsection€(a),€identifies,Ð ¦æ Ðto€a€consumer€reporting€agency,€information€in€the€file€of€the€consumer€thatÐ ŒÌ Ðresulted€from€identity€theft;€andÐr²Œ (#Œ (# ÐÌà Ü àà  àà 4 à(B)€à0 Œ àthe€consumer€reporting€agency€is€a€reseller€of€the€identified€information.Ð>~Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#à(3)à04(#(#àòòNoticeóó.€€In€carrying€out€its€obligation€under€paragraph€(2),€the€reseller€shall€promptlyÐ  J Ðprovide€a€notice€to€the€consumer€of€the€decision€to€block€the€file.€Such€notice€shallÐ ð 0 Ðcontain€the€name,€address,€and€telephone€number€of€each€consumer€reporting€agencyÐ Ö   Ðfrom€which€the€consumer€information€was€obtained€for€resale.м ü 4(#4(# ÐÌà0 Ü à(e)à0Ü(#Ü(#àòòException€for€verification€companiesóó.€€The€provisions€of€this€section€do€not€apply€to€aÐ ˆÈ  Ðcheck€services€company,€acting€as€such,€which€issues€authorizations€for€the€purpose€ofÐ n®  Ðapproving€or€processing€negotiable€instruments,€electronic€fund€transfers,€or€similarÐ T”  Ðmethods€of€payments,€except€that,€beginning€4€business€days€after€receipt€of€informa‚tionÐ :z  Ðdescribed€in€paragraphs€(1)€through€(3)€of€subsection€(a),€a€check€services€company€shallÐ  ` Ðnot€report€to€a€national€consumer€reporting€agency€described€in€section€603(p),€anyÐ F Ðinformation€identified€in€the€subject€identity€theft€report€as€resulting€from€identity€theft.Ðì,(#(# ÐÌà0 Ü à(f)à0Ü(#Ü(#àòòAccess€to€blocked€information€by€law€enforcement€agencies.€óó€No€provision€of€this€sec‚tionÐ ¸ø Ðshall€be€construed€as€requiring€a€consumer€reporting€agency€to€prevent€a€Federal,€State,Ð žÞ Ðor€local€law€enforcement€agency€from€accessing€blocked€information€in€a€consumer€fileÐ „Ä Ðto€which€the€agency€could€otherwise€obtain€access€under€this€title.Ðjª(#(# Ѐ€€€€€€€€€€€€€€€€€€€€€€€€€€€€Ð P Ðò òðð€606.€€Disclosure€of€investigative€consumer€reportsó ó€[15€U.S.C.€ðð1681d]ò òÐ 6v Ðà Ü àÌà Ü àó ó(a)à0  àòòDisclosure€of€fact€of€preparationóó.€A€person€may€not€procure€or€cause€to€be€prepared€anÐ B Ðinvestigative€consumer€report€on€any€consumer€unless€€€Ðè((#(# ÐÌÒe°Òà Ü àà  à(1)à0 4 àit€is€clearly€and€accurately€disclosed€to€the€consumer€that€an€investigative€consumerÐ ´ô Ðreport€including€information€as€to€his€character,€general€reputation,€personal€characterƒÐ šÚ Ðistics€and€mode€of€living,€whichever€are€appÔ_ÔlicableÔ_Ô,€may€be€made,€and€such€disclosureЀ À 4s#4s# ЀÌÒ°eÒà0 Ü àà  àà 4 à(A)à0Œ Ü(#Ü(#àis€made€in€a€writing€mailed,€or€otherwise€delivered,€to€the€consumer,€not€laterÐ L"Œ" Ðthan€three€days€after€the€date€on€which€the€report€was€first€requested,€and€Ð2#r#Œ (#Œ (# ÐÌà Ü àà  àà 4 à(B)à0 Œ àincludes€a€statement€informing€the€consumer€of€his€right€to€request€theÐ þ$>!% Ðadditional€disclosures€provided€for€under€subsection€(b)€of€this€section€and€theÐ ä%$"& Ðwritten€summary€of€the€rights€of€the€consumer€prepared€pursuant€to€sectionÐ Ê& #' Ð609Ô_Ô(c)Ô_Ô€[ðð1681g];€andа'ð#(Œ (#Œ (# ÐÌà Ü àà  à(2)€€the€person€certifies€or€has€certified€to€the€consumer€reporting€agency€that€€Ð |)¼%* ÐÌ€€€€à Ü àà  àà0 4 à(A)à0Œ 4(#4(#àthe€person€has€made€the€disclosures€to€the€consumer€required€by€paragraphÐ H+ˆ', Ð(1);€andÐ.,n(-Œ (#Œ (# ÐÌ€à0 Ü àà  àà04Ü(#Ü(#à(B)à0Œ 4(#4(#àthe€person€will€comply€with€subsection€(b).Ðú-:*/Œ (#Œ (# ÐÌà Ü à(b)òòà0  àDisclosure€on€request€of€nature€and€scope€of€investigationóó.€€Any€person€who€procures€orÐ Æ/,1 Ðcauses€to€be€prepared€an€investigative€consumer€report€on€any€consumer€shall,€uponÐ ¬0ì,2 ÐÑP‡• Ñâ PâѰÀÑâ PâÑ  Ñwritten€request€made€by€the€consumer€within€a€reasonable€period€of€time€after€the€receiptÐ ° Ðby€him€of€the€disclosure€required€by€subsection€(a)(1)€of€this€section,€make€a€completeÐ –æ Ðand€accurate€disclosure€of€the€nature€and€scope€of€the€investigation€requested.€ThisÐ |Ì Ðdisclosure€shall€be€made€in€a€writing€mailed,€or€otherwise€delivered,€to€the€consumer€notÐ b² Ðlater€than€five€days€after€the€date€on€which€the€request€for€such€disclosure€was€receivedÐ H˜ Ðfrom€the€consumer€or€such€report€was€first€requested,€whichever€is€the€later.€Ð. ~(#(# ÐÌ€à Ü àÔ_Ô(c)Ô_Ôà0  àòòLimitation€on€liability€upon€showing€of€reasonable€procedures€for€compliance€withÐ ú J Ðprovisions.óó€No€person€may€be€held€liable€for€any€violation€of€subsection€(a)€or€(b)€of€thisÐ à 0 Ðsection€if€he€shows€by€a€preponderance€of€the€evidence€that€at€the€time€of€the€violation€heÐ Æ   Ðmaintained€reasonable€procedures€to€assure€compliance€with€subsection€(a)€or€(b)€of€thisÐ ¬ ü  Ðsection.€Ð’â (#(# ЀÌà Ü à(d)à0  àProhibitionsÐ^® (#(# Ðà Ü àÌà Ü àà  à(1)à0 4 àòòCertificationóó.€€A€consumer€reporting€agency€shall€not€prepare€or€furnish€investigativeÐ *z  Ðconsumer€report€unless€the€agency€has€received€a€certification€under€subsection€(a)(2)Ð ` Ðfrom€the€person€who€requested€the€report.ÐöF4(#4(# ÐÌ€€à Ü àà  à(2)à0 4 àòòInquiries.óó€€A€consumer€reporting€agency€shall€not€make€an€inquiry€for€the€purpose€ofÐ Â Ðpreparing€an€investigative€consumer€report€on€a€consumer€for€employment€purposesÐ ¨ø Ðif€the€making€of€the€inquiry€by€an€employer€or€prospective€employer€of€the€consumerÐ ŽÞ Ðwould€violate€any€applicable€Federal€or€State€equal€employment€opportunity€law€orÐ tÄ Ðregulation.ÐZª4(#4(# ÐÌ€€€€à Ü àà  à(3)à0 4 àòòCertain€public€record€information.óó€€Except€as€otherwise€provided€in€section€613Ð &v Ð[ðð1681k],€a€consumer€reporting€agency€shall€not€furnish€an€investigative€con‚sumerÐ  \ Ðreport€that€includes€information€that€is€a€matter€of€public€record€and€that€relates€to€anÐ òB Ðarrest,€indictment,€conviction,€civil€judicial€action,€tax€lien,€or€out‚standing€judgment,Ð Ø( Ðunless€the€agency€has€verified€the€accuracy€of€the€information€during€the€30-dayÐ ¾ Ðperiod€ending€on€the€date€on€which€the€report€is€furnished.Фô4(#4(# ÐÌ€€€€à Ü àà  à(4)à0 4 àòòCertain€adverse€informationóó.€€A€consumer€reporting€agency€shall€not€prepare€orÐ p!À  Ðfurnish€an€investigative€consumer€report€on€a€consumer€that€contains€information€thatÐ V"¦! Ðis€adverse€to€the€interest€of€the€consumer€and€that€is€obtained€through€a€personalÐ <#Œ" Ðinterview€with€a€neighbor,€friend,€or€associate€of€the€consumer€or€with€another€personÐ "$r# Ðwith€whom€the€consumer€is€acquainted€or€who€has€knowledge€of€such€item€ofÐ %X $ Ðinformation,€unless€€Ðî%>!%4(#4(# ÐÌ€€€€à Ü à€€€€à0  àà04(#(#à(A)à0Œ 4(#4(#àthe€agency€has€followed€reasonable€procedures€to€obtain€confirmation€of€theÐ º' #' Ðinformation,€from€an€additional€source€that€has€independent€and€directÐ  (ð#( Ðknowledge€of€the€information;€orІ)Ö$)Œ (#Œ (# ÐÌ€€€€à Ü à€€€€€à0  àà04(#(#à(B)à0Œ 4(#4(#àthe€person€interviewed€is€the€best€possible€source€of€the€information.ÐR+¢&+Œ (#Œ (# Ѐ€€€€€€€€€€€€€€€€€€€€€€€€€€Ð 8,ˆ', Ðò òðð€607.€€Compliance€procedures€ó ó€[15€U.S.C.€ðð1681e]ò òÐ -n(- ÐÌó óÒϰÒà Ü à(a)à0  àòòIdentity€and€purposes€of€credit€usersóó.€Every€consumer€reporting€agency€shall€maintainÐ ê.:*/ Ðreasonable€procedures€designed€to€avoid€violations€of€section€605€[ðð1681c]€and€to€limit€theÐ Ð/ +0 Ðfurnishing€of€consumer€reports€to€the€purposes€listed€under€section€604€[ðð1681b]€of€thisÐ ¶0,1 ÐÑTG!Ñâ TâÑÀ°Ñâ TâÑ  Ñtitle.€These€procedures€shall€require€that€prospective€users€of€the€information€iden‚tifyÐ À Ðthemselves,€certify€the€purposes€for€which€the€information€is€sought,€and€certify€that€theÐ ¦æ Ðinformation€will€be€used€for€no€other€purpose.€€Every€consumer€reporting€agency€shall€makeÐ ŒÌ Ða€reasonable€effort€to€verify€the€identity€of€a€new€prospective€user€and€the€uses€certified€byÐ r² Ðsuch€prospective€user€prior€to€furnishing€such€user€a€consumer€report.€No€consumerÐ X˜ Ðreporting€agency€may€furnish€a€consumer€report€to€any€person€if€it€has€reasonable€groundsÐ >~ Ðfor€believing€that€the€consumer€report€will€not€be€used€for€a€purpose€listed€in€section€604Ð $ d Ð[ðð1681b]€of€this€title.€Ð J $ $ ÐÌÒ°ÏÒà Ü à(b)à0  àòòAccuracy€of€report.óó€Whenever€a€consumer€reporting€agency€prepares€a€consumer€report€itÐ Ö   Ðshall€follow€reasonable€procedures€to€assure€maximum€possible€accuracy€of€theÐ ¼ ü  Ðinformation€concerning€the€individual€about€whom€the€report€relates.€Ð¢ â (#(# ЀÌà Ü àÔ_Ô(c)Ô_Ôà0  àòòDisclosure€of€consumer€reports€by€users€allowed.óó€€A€consumer€reporting€agency€may€notÐ n®  Ðprohibit€a€user€of€a€consumer€report€furnished€by€the€agency€on€a€consumer€fromÐ T”  Ðdisclosing€the€contents€of€the€report€to€the€consumer,€if€adverse€action€against€theÐ :z  Ðconsumer€has€been€taken€by€the€user€based€in€whole€or€in€part€on€the€report.Ð `(#(# ÐÌà Ü à(d)à0  àNotice€to€Users€and€Furnishers€of€Information€€Ðì,(#(# ÐÌà0 Ü àà  à(1)à04Ü(#Ü(#àòòNotice€requirement.óó€€A€consumer€reporting€agency€shall€provide€to€any€person€€Ð¸ø4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#à€€€€à04(#(#à(A)à0Œ 4(#4(#àwho€regularly€and€in€the€ordinary€course€of€business€furnishes€information€toÐ „Ä Ðthe€agency€with€respect€to€any€consumer;€orÐjªŒ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#à€€€€€€(B)€€à0Œ (#(#àto€whom€a€consumer€report€is€provided€by€the€agency;Ô‡¦XX,¦Ô€€Ð6vŒ (#Œ (# ÐÒX°Òà€€%€%€€%àÔ#†,¦XX¦<$#Ôòòò òà€@ttd€%àóóó óÔ‡¦XX,¦ÔˆÌÔ#†,¦XX¦Ý$#Ôà Ü àà  àà 4 àa€notice€of€such€person's€responsibilities€under€this€title.òòò òà€ttd€%àÔ‡ȦXX,¦Ôà @Ü àà0 @ àà @4 àà @` àà @Œ àà @¸ àà @ä àà @ àà @< àà @h àà @” àà @À àà @ì àà @ àà @D àà @p àà @œ àà @È àà @ô àà @  àà @L àà @x àà @¤ àà @Ð àà @ü! àà @(# àà @T$ àÔ#†,¦XXȦ™%#ÔSee€also€16€CFR€698,€App€G„HÔ‡ȦXX,¦ÔˆÐ B ÐÔ#†,¦XXȦ;'#ÔÔ‡ȦXX,¦Ôà Ü àà  àà 4 àà ` àà Œ àà ¸ àà ä àà  àà < àà h àà ” àà À àà ì àà  àà D àà p àà œ àà È àà ô àà  àà L àà x àà ¤ àà Ð àà ü! àà (# àà€ÆÆc€%àà @T$ àÔ#†,¦XXȦ“'#Ô69€Fed.€Reg.€69776€(11/30/04)ˆÐ è( Ðó óóóÔ‡,-ï ,X,¦Ô€€€€€€€€€Ô#†,¦X ,,-ïd)#Ôòòò òóóó óÐ Î ÐÒÏXÒà0 Ü àà  à(2)à04Ü $Ü $àòòContent€of€noticeóó.€€The€Federal€Trade€Commission€shall€prescribe€the€content€of€noti‚cesÐ A Ðunder€paragraph€(1),€and€a€consumer€reporting€agency€shall€be€in€compliance€with€thisÐ 'g Ðsubsection€if€it€provides€a€notice€under€paragraph€(1)€that€is€substantially€similar€to€theÐ  M  ÐFederal€Trade€Commission€prescription€under€this€paragraph.Ðó 3!4 $4 $ ÐÌà Ü à(e)à0  àProcurement€of€Consumer€Report€for€Resaleп"ÿ# $ $ ÐÒ°ÏÒÌà0 Ü àà  à(1)à04Ü(#Ü(#àòòDisclosureóó.€€A€person€may€not€procure€a€consumer€report€for€purposes€of€resellingÐ ‹$Ë % Ðthe€report€(or€any€information€in€the€report)€unless€the€person€discloses€to€theÐ q%±!& Ðconsumer€reporting€agency€that€originally€furnishes€the€report€€ÐW&—"'4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#à€€€€€€(A)à0Œ (#(#àthe€identity€of€the€end-user€of€the€report€(or€information);€andÐ#(c$)Œ (#Œ (# ÐÌà0 Ü àà  àà 4 à(B)à0Œ Ü(#Ü(#àeach€permissible€purpose€under€section€604€[ðð1681b]€for€which€the€report€isÐ ï)/&+ Ðfurnished€to€the€end-user€of€the€report€(or€information).ÐÕ*',Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà  à(2)€€òòResponsibilities€of€procurers€for€resaleóó.€€A€person€who€procures€a€consumer€reportÐ ¡,á(. Ðfor€purposes€of€reselling€the€report€(or€any€information€in€the€report)€shall€€Ð‡-Ç)/4(#4(# ÐÌà Ü àà  àà 4 à(A)à0 Œ àestablish€and€comply€with€reasonable€procedures€designed€to€ensure€that€the€Ð S/“+1 Ðreport€(or€information)€is€resold€by€the€person€only€for€a€purpose€for€whichÐ 90y,2 ÐÑDI "Ñâ DâѰÀÑÑ·ÇÑâ DâÑ  Ñthe€report€may€be€furnished€under€section€604€[ðð1681b],€including€byÐ ° Ðrequiring€that€each€person€to€which€the€report€(or€information)€is€resold€andÐ –æ Ðthat€resells€or€provides€the€report€(or€information)€to€any€other€person€€Ð|ÌŒ (#Œ (# Ðà Ü àà  àà 4 àà ` àÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà ` à(i)à0Œ 4(#4(#àà0¸ Œ (#Œ (#àidentifies€each€end€user€of€the€resold€report€(or€information);ÐH˜¸ (#¸ (# ÐÌà Ü àà  àà 4 àà ` à(ii)à0 Œ àà0¸ Œ (#Œ (#àcertifies€each€purpose€for€which€the€report€(or€information)€will€be€used;Ð  d ÐandÐú J¸ (#¸ (# ÐÌà Ü àà  àà 4 à€€€€€(iii)€à0 ¸ àcertifies€that€the€report€(or€information)€will€be€used€for€no€other€purpose;Ð Æ   ÐandЬ ü ¸ (#¸ (# ÐÌà0 Ü à€€€€€à0Ü(#Ü(#àà04(#(#à(B)à0Œ 4(#4(#àbefore€reselling€the€report,€make€reasonable€efforts€to€verify€the€Ô‡X¦XX,¦ÔidentificaƒÐ xÈ  Ðtions€and€certifications€made€under€subparagraph€(A).Ð^® Œ (#Œ (# ÐÌÓ€ (ÆÝ08(ÓÔ‡X¦XXX¦Ôà Ü àà  àÔ#†X¦XXX¦æ6#ÔÔ‡X¦XXX¦Ô(3)à0 4 àòòResale€of€consumer€report€to€a€federal€agency€or€department.óó€€NotwithstandingÐ *z  Ðparagraph€(1)€or€(2),€a€person€who€procures€a€consumer€report€for€purposes€ofÐ ` Ðreselling€the€report€(or€any€information€in€the€report)€shall€not€disclose€the€identity€ofÐ öF Ðthe€end-user€of€the€report€under€paragraph€(1)€or€(2)€if€ð!ðÐÜ,4(#4(# Ðà Ü àà  àà 4 àÌ€€€€€€€€€€€€à0 4 à(A)à0Œ 4(#4(#àthe€end€user€is€an€agency€or€department€of€the€United€States€GovernmentÐ ¨ø Ðwhich€procures€the€report€from€the€person€for€purposes€of€determining€theÐ ŽÞ Ðeligibility€of€the€consumer€concerned€to€receive€access€or€continued€access€toÐ tÄ Ðclassified€information€(as€defined€in€section€604(b)(4)(E)(i));€andÐZªŒ (#Œ (# ÐÌ€€€€€€€€€€€€€à0 4 à(B)à0Œ 4(#4(#àthe€agency€or€department€certifies€in€writing€to€the€person€reselling€the€report€€Ð &v Ѐthat€nondisclosure€is€necessary€to€protect€classified€information€or€the€safetyÐ  \ Ðof€persons€employed€by€or€contracting€with,€or€undergoing€investigation€forÐ òB Ðwork€or€contracting€with€the€agency€or€department.Ô#†X¦XXX¦@7#ÔÐØ(Œ (#Œ (# Ðà0 Ü àà ° àà Ü àà  àà 4 àà ` àà Œ àà ¸ àà ä àà  àà < àà h àà ” àà À àà ì àà  àà D àÐ Ü(#Ü(# Ðò òðð€608.€€Disclosures€to€governmental€Ô#†,¦XXX¦Ñ5#Ôagenciesó ó€[15€U.S.C.€ðð1681f]ò òà ô àà  àà L àà x àà ¤ àà Ð àà ü! àÐ ¤ô Ðà Ü àà  àà 4 àà ` àÌà Ü àà  àó óNotwithstanding€the€provisions€of€section€604€[ðð1681b]€of€this€title,€a€consumerÐ p!À  Ðreporting€agency€may€furnish€identifying€information€respecting€any€consumer,€limited€to€hisÐ V"¦! Ðname,€address,€former€addresses,€places€of€employment,€or€former€places€of€employment,€to€aÐ <#Œ" Ðgovernmental€agency.€€Ð "$r# ÐÌò òðð€609.€€Disclosures€to€consumers€ó ó[15€U.S.C.€ðð1681g]ò òÐ î%>!% ÐÌó óà0 Ü à(a)à0Ü(#Ü(#àòòInformation€on€file;€sources;€report€recipientsóó.€€Every€consumer€reporting€agency€shall,Ð º' #' Ðupon€request,€and€subject€to€610(a)(1)€[ðð1681h],€clearly€and€accurately€disclose€to€theÐ  (ð#( Ðconsumer:І)Ö$)(#(# ÐÌØ! !ØÓ€ &(öÙ80Óà0 Ü à€à  à(1)à04Ü(#Ü(#àAll€information€in€the€consumer's€file€at€the€time€of€the€request€except€that--ÐR+¢&+4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#à€à04(#(#à(A)à0Œ 4(#4(#àif€the€consumer€to€whom€the€file€relates€requests€that€the€first€5€digits€of€theÐ -n(- Ðsocial€security€number€(or€similar€identification€number)€of€the€consumer€notÐ .T). Ðâ âbe€included€in€the€disclosure€and€the€consumer€reporting€agency€has€receivedÐ ê.:*/ ÐÑKw™#Ñâ KâÑÀ°ÑÑÇ·Ñâ KâÑ  Ñappropriate€proof€of€the€identity€of€the€requester,€the€consumer€reportingÐ À Ðagency€shall€so€truncate€such€number€in€such€disclosure;€andÐ¦æŒ (#Œ (# Ðâ âÌà Ü àà  àà 4 à(B)à0 Œ ànothing€in€this€paragraph€shall€be€construed€to€require€a€consumer€reportingÐ r² Ðagency€to€disclose€to€a€consumer€any€information€concerning€credit€scores€orÐ X˜ Ðany€other€risk€scores€or€predictors€relating€to€the€consumer.Ð>~Œ (#Œ (# ÐÌà Ü àà  à(2)à0 4 àThe€sources€of€the€information;€except€that€the€sources€of€information€acquired€solelyÐ  J Ðfor€use€in€preparing€an€investigative€consumer€report€and€actually€use€for€no€otherÐ ð 0 Ðpurpose€need€not€be€disclosed:€Provided,€That€in€the€event€an€action€is€brought€underÐ Ö   Ðthis€title,€such€sources€shall€be€available€to€the€plaintiff€under€appropriate€discoveryÐ ¼ ü  Ðprocedures€in€the€court€in€which€the€action€is€brought.Т â 4(#4(# ÐÌ€€à0 Ü àà  à(3)à04Ü(#Ü(#à(A)à0Œ 4(#4(#àIdentification€of€each€person€(including€each€end-user€identified€under€sectionÐ n®  Ð607(e)(1)€[ðð1681e])€that€procured€a€consumer€report€€ÐT” Œ (#Œ (# ÐÌ€à Ü àà0  àà04(#(#àà0` 4(#4(#à(i)à0Œ ` (#` (#àà0¸ Œ (#Œ (#àfor€employment€purposes,€during€the€2-year€period€preceding€the€date€onÐ  ` Ðwhich€the€request€is€made;€orÐF¸ (#¸ (# ÐØ! !ØÓ€ $(¯]88&Ó€€€€à0 Ü àà0Ü(#Ü(#àà04(#(#àÐì,4(#4(# ÐÓ€ %(¿W08$Óà Ü àà  àà 4 àà ` à(ii)à0 Œ àà0¸ Œ (#Œ (#àfor€any€other€purpose,€during€the€1-year€period€preceding€the€date€onÐ Ò Ðwhich€the€request€is€made.иø¸ (#¸ (# ÐÌà Ü àà  àà 4 à(B)€à0 Œ àAn€identification€of€a€person€under€subparagraph€(A)€shall€include€€Ð„ÄŒ (#Œ (# ÐÌ€€€€à Ü àà0  àà04(#(#àà0` 4(#4(#à(i)à0Œ ` (#` (#àà0¸ Œ (#Œ (#àthe€name€of€the€person€or,€if€applicable,€the€trade€name€(written€in€full)Ð P Ðunder€which€such€person€conducts€business;€andÐ6v¸ (#¸ (# Ðà Ü àà  àà 4 àà ` àà Œ àà ¸ àà ä àà  àà < àà h àà ” àà À àà ì àà  àà D àà p àà œ àà È àà ô àà  àà L àà x àÌ€€€€à Ü àà0  àà04(#(#àà0` 4(#4(#à(ii)à0Œ ` (#` (#àà0¸ Œ (#Œ (#àupon€request€of€the€consumer,€the€address€and€telephone€number€of€theÐ B Ðperson.Ðè(¸ (#¸ (# ÐÌà Ü àà  àà 4 àÔ_Ô(C)Ô_Ôà0 Œ àSubparagraph€(A)€does€not€apply€if--дôŒ (#Œ (# ÐÌ€€€€€€à0  àà04(#(#àà0` 4(#4(#à(i)€à0Œ ` (#` (#àà0¸ Œ (#Œ (#àthe€end€user€is€an€agency€or€department€of€the€United€States€GovernmentÐ € À  Ðthat€procures€the€report€from€the€person€for€purposes€of€determining€theÐ f!¦! Ðeligibility€of€the€consumer€to€whom€the€report€relates€to€receive€access€orÐ L"Œ" Ðcontinued€access€to€classified€information€(as€defined€in€sectionÐ 2#r# Ð604(b)(4)(E)(i));€andÐ$X $¸ (#¸ (# ÐÌ€€€€€€€à0  àà04(#(#àà0` 4(#4(#à(ii)à0Œ ` (#` (#àà0¸ Œ (#Œ (#àthe€head€of€the€agency€or€department€makes€a€written€finding€asÐ ä%$"& Ðprescribed€under€section€604(b)(4)(A).Ô‡,-ï ,X,¦ÔÐÊ& #'¸ (#¸ (# ÐÔ#†,¦X ,,-ïT#ÔÌÒ°Òà0 Ü à€€€à  à(4)à04ܾ#ܾ#àThe€dates,€original€payees,€and€amounts€of€any€checks€upon€which€is€based€any€ad‚verseÐ –(Ö$) Ðcharacterization€of€the€consumer,€included€in€the€file€at€the€time€of€the€disclosure.Ð|)¼%*4¾#4¾# ÐÌÒ°Òà Ü àà  à(5)à0 4 àA€record€of€all€inquiries€received€by€the€agency€during€the€1-year€period€precedingÐ H+ˆ', Ðthe€request€that€identified€the€consumer€in€connection€with€a€credit€or€insuranceÐ .,n(- Ðtransaction€that€was€not€initiated€Ô‡X¦XX,¦Ôby€the€consumer.Ð-T).4(#4(# ÐÌÔ‡X¦XXX¦Ôà Ü àà  à(6)à0 4 àIf€the€consumer€requests€the€credit€file€and€not€the€credit€score,€a€statement€that€theÐ à. +0 Ðconsumer€may€request€and€obtain€a€credit€score.ÐÆ/,14(#4(# ÐÔ#†X¦XXX¦”W#Ôà Ü àÐ ¬0ì,2 ÐÑQ$Ñâ QâÑÇÇÑѰÀÑÑ$Ñâ QâÑ  Ñà Ü à(b)à0  àòòExempt€informationóó.€The€requirements€Ô#†,¦XXX¦EW#Ôof€subsection€(a)€of€this€section€respecting€theÐ ° Ðdisclosure€of€sources€of€information€and€the€recipients€of€consumer€reports€do€not€applyÐ –æ Ðto€information€received€or€consumer€reports€furnished€prior€to€the€effective€date€of€thisÐ |Ì Ðtitle€except€to€the€extent€that€the€matter€involved€is€contained€in€the€files€of€the€consumerÐ b² Ðreporting€agency€on€that€date.€ÐH˜(#(# ÐÌÒX°Òà0 Ü àÔ_Ô(c)Ô_Ôà0Ü€%Ü€%àSummary€of€Rights€to€Obtain€and€Dispute€Information€in€Consumer€Reports€and€to€ObtainÐ  d ÐCredit€Scoresòòò òà ¸ àÐú J€%€% Ðà Ü àà  àà 4 àà ` àà Œ àà ¸ àà ä àà  àà < àà h àà ” àà À àà ì àà  àà D àà p àà œ àà€ÈÈa€%àSee€also€16€CFR€Part€698,€App€FˆÐ à 0 Ðó óóó€à Ü àà0  à(1)€Commission€Summary€of€Rights€Requiredòòò òà€ÆÆc€%€%€%à69€Fed.€Reg.€69776€(11/30/04)óóó óà @Ü àà @ àˆÐ Æ   ÐÒ°XÒÌà Ü à€€€€€à0  àà04(#(#à(A)à0Œ 4(#4(#àòòIn€generalóó.€€The€Commission€shall€prepare€a€model€summary€of€the€rights€ofÐ ’â  Ðconsumers€under€this€title.ÐxÈ Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà 4 à(B)à0Œ (#(#àòòContent€of€summaryóó.€€The€summary€of€rights€prepared€under€subparagraphÐ D”  Ð(A)€shall€include€a€description€of€ð!ðÐ*z Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà ` à(i)à0Œ 4(#4(#àà0¸ Œ (#Œ (#àthe€right€of€a€consumer€to€obtain€a€copy€of€a€consumer€report€underÐ öF Ðsubsection€(a)€from€each€consumer€reporting€agency;ÐÜ,¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà ` à(ii)à0Œ 4(#4(#àà0¸ Œ (#Œ (#àthe€frequency€and€circumstances€under€which€a€consumer€is€entitled€toÐ ¨ø Ðreceive€a€consumer€report€without€charge€under€section€612;ÐŽÞ¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà ` à(iii)€à0¸ 4(#4(#àthe€right€of€a€consumer€to€dispute€information€in€the€file€of€the€consumerÐ Zª Ðunder€section€611;Ð@¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà ` à(iv)€à0¸ 4(#4(#àthe€right€of€a€consumer€to€obtain€a€credit€score€from€a€consumer€reportingÐ  \ Ðagency,€and€a€description€of€how€to€obtain€a€credit€score;ÐòB¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà ` à(v)à0Œ 4(#4(#àà0¸ Œ (#Œ (#àthe€method€by€which€a€consumer€can€contact,€and€obtain€a€consumerÐ ¾ Ðreport€from,€a€consumer€reporting€agency€without€charge,€as€provided€inÐ ¤ô Ðthe€regulations€of€the€Commission€prescribed€under€section€211Ô_Ô(c)Ô_Ô€of€theÐ Š Ú ÐFair€and€Accurate€Credit€Transactions€Act€of€2003;€andÐp!À ¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà ` à(vi)à0¸ 4(#4(#àthe€method€by€which€a€consumer€can€contact,€and€obtain€a€consumerÐ <#Œ" Ðreport€from,€a€consumer€reporting€agency€described€in€section€603(w),€asÐ "$r# Ðprovided€in€the€regulations€of€the€Commission€prescribed€under€sectionÐ %X $ Ð612(a)(1)Ô_Ô(C)Ô_Ô.Ðî%>!%¸ (#¸ (# ÐÌà Ü àà  àà0 4 àÔ_Ô(C)Ô_Ôà0Œ 4(#4(#àòòAvailability€of€summary€of€rights.€óó€The€Commission€shall€ð!ð€Ðº' #'Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà ` à(i)€à0Œ 4(#4(#àà0¸ Œ (#Œ (#àactively€publicize€the€availability€of€the€summary€of€rights€prepared€underÐ †)Ö$) Ðthis€paragraph;Ðl*¼%*¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà ` à(ii)à0Œ 4(#4(#àà0¸ Œ (#Œ (#àconspicuously€post€on€its€Internet€website€the€availability€of€suchÐ 8,ˆ', Ðsummary€of€rights;€andÐ-n(-¸ (#¸ (# ÐÌÒ9°Òà Ü àà  àà 4 àà ` à(iii)€à0 ¸ àpromptly€make€such€summary€of€rights€available€to€consumers,€on€request.Ðê.:*/¸ Ÿ$¸ Ÿ$ Ðâ âÐ Ð/ +0 ÐÑx1†%Ñâ xâÑÇÇÑѰ°Ñâ xâÑ  ÑÒ°9Òà Ü àà  à(2)à0 4 àòòSummary€of€rights€required€to€be€included€with€agency€disclosuresóó.€A€consumerÐ ° Ðâ âreporting€agency€shall€provide€to€a€consumer,€with€each€written€disclosure€by€theÐ –æ Ðagency€to€the€consumer€under€this€section€ð!ð€Ð|Ì4(#4(# ÐÌà Ü àà  àà0 4 à(A)à0Œ 4(#4(#à€the€summary€of€rights€prepared€by€the€Commission€under€paragraph€(1);ÐH˜Œ (#Œ (# ÐÌà Ü àà  àà0 4 à(B)à0Œ 4(#4(#àin€the€case€of€a€consumer€reporting€agency€described€in€section€603(p),€aÐ  d Ðtoll-free€telephone€number€established€by€the€agency,€at€which€personnel€areÐ ú J Ðaccessible€to€consumers€during€normal€business€hours;Ðà 0Œ (#Œ (# ÐÒϰÒÌà0 Ü à€€€€€à0Ü $Ü $àà04 $ $àÔ_Ô(C)Ô_Ôà0Œ 4 $4 $àa€list€of€all€Federal€agencies€responsible€for€enforcing€any€provision€of€this€title,Ð ¬ ü  Ðand€the€address€and€any€appropriate€phone€number€of€each€such€agen‚cy,€in€aÐ ’â  Ðform€that€will€assist€the€consumer€in€selecting€the€appropriate€agency;ÐxÈ Œ $Œ $ ÐÌÒeÏÒà0 Ü à€€€€à0Üs#Üs#àà04s#s#à(D)à0Œ 4s#4s#àa€statement€that€the€consumer€may€have€additional€rights€under€State€law,€andÐ D”  Ðthat€the€consumer€may€wish€to€contact€a€State€or€local€consumer€protectionÐ *z  Ðagency€or€a€State€attorney€general€(or€the€equivalent€thereof)€to€learn€of€thoseÐ ` Ðrights;€andÐöFŒ s#Œ s# ÐÌà0 Ü à€€€€à0Üs#Üs#àà04s#s#à(E)à0Œ 4s#4s#àa€statement€that€a€consumer€reporting€agency€is€not€required€to€removeÐ Â Ðaccurate€derogatory€information€from€the€file€of€a€consumer,€unless€theÐ ¨ø Ðinformation€is€outdated€under€section€605€or€cannot€be€verified.à ¤ àà Ð àà ü! àà (# àà @(# àà @(# àÐŽÞŒ s#Œ s# Ðò òó óÌÒXeÒà0 Ü à(d)€Summary€of€Rights€of€Identity€Theft€Victimsòòò òà€––`€%Ü€%Ü€%àSee€also€16€CFR€Part€698,€App€E€ˆÐ Zª Ðà€ÆÆc€%à69€Fed.€Reg.€69776€(11/30/04)Ô‡ȦXX,¦ÔˆÐ @ Ðóóó óÔ#†,¦XXȦùt#ÔÒXÒà0 Ü àà0ܾ#ܾ#à(1)à04¾#¾#àòòIn€generalóó.€€The€Commission,€in€consultation€with€the€Federal€banking€agencies€andÐ &v Ðthe€National€Credit€Union€Administration,€shall€prepare€a€model€summary€of€the€rightsÐ  \ Ðof€consumers€under€this€title€with€respect€to€the€procedures€for€remedying€the€effects€ofÐ òB Ðfraud€or€identity€theft€involving€credit,€an€electronic€fund€transfer,€or€an€account€orÐ Ø( Ðtransaction€at€or€with€a€financial€institution€or€other€creditor.о4¾#4¾# ÐÌÒ°Òà0 Ü àà0Ü(#Ü(#à(2)à04(#(#àòòSummary€of€rights€and€contact€information.€óó€Beginning€60€days€after€the€date€onÐ Š Ú Ðwhich€the€model€summary€of€rights€is€prescribed€in€final€form€by€the€CommissionÐ p!À  Ðpursuant€to€paragraph€(1),€if€any€consumer€contacts€a€consumer€reporting€agency€andÐ V"¦! Ðexpresses€a€belief€that€the€consumer€is€a€victim€of€fraud€or€identity€theft€involvingÐ <#Œ" Ðcredit,€an€electronic€fund€transfer,€or€an€account€or€transaction€at€or€with€a€financialÐ "$r# Ðinstitution€or€other€creditor,€the€consumer€reporting€agency€shall,€in€addition€to€anyÐ %X $ Ðother€action€that€the€agency€may€take,€provide€the€consumer€with€a€summary€of€rightsÐ î%>!% Ðthat€contains€all€of€the€information€required€by€the€Commission€under€paragraph€(1),Ð Ô&$"& Ðand€information€on€how€to€contact€the€Commission€to€obtain€more€detailedÐ º' #' Ðinformation.Р(ð#(4(#4(# ÐÌà Ü à(e)€Information€Available€to€VictimsÐ l*¼%* ÐÌà0 Ü àà  à(1)à04Ü(#Ü(#àòòIn€general.€óó€For€the€purpose€of€documenting€fraudulent€transactions€resulting€fromÐ 8,ˆ', Ðidentity€theft,€not€later€than€30€days€after€the€date€of€receipt€of€a€request€from€a€victimÐ -n(- Ðin€accordance€with€paragraph€(3),€and€subject€to€verification€of€the€identity€of€the€vicƒÐ .T). Ðtim€and€the€claim€of€identity€theft€in€accordance€with€paragraph€(2),€a€busi‚ness€entityÐ ê.:*/ Ðthat€has€provided€credit€to,€provided€for€consideration€products,€goods,€or€services€to,Ð Ð/ +0 Ðaccepted€payment€from,€or€otherwise€entered€into€a€commer‚cial€transaction€forÐ ¶0,1 ÐÑ2ŽO&Ñâ 2âÑÇÇÑѰ°Ñâ 2âÑ  Ñconsideration€with,€a€person€who€has€allegedly€made€unauthorized€use€of€the€meansÐ ° Ðof€identification€of€the€victim,€shall€provide€a€copy€of€application€and€businessÐ –æ Ðtransaction€records€in€the€control€of€the€business€entity,€whether€maintained€by€theÐ |Ì Ðbusiness€entity€or€by€another€person€on€behalf€of€the€business€entity,€evidencing€anyÐ b² Ðtransaction€alleged€to€be€a€result€of€identity€theft€to--ÐH˜4(#4(# ÐÌà Ü àà  àà 4 à(A)€à0 Œ àthe€victim;à€(#(#x(#Œ (#Œ (#àˆÐ  d ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(B)à0Œ 4(#4(#àany€Federal,€State,€or€local€government€law€enforcement€agency€or€officerÐ à 0 Ðspecified€by€the€victim€in€such€a€request;€orÐÆ  Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àÔ_Ô(C)Ô_Ô€à0Œ 4(#4(#àany€law€enforcement€agency€investigating€the€identity€theft€and€authorized€byÐ ’â  Ðthe€victim€to€take€receipt€of€records€provided€under€this€subsection.ÐxÈ Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#à(2)à04(#(#àòòVerification€of€identity€and€claimóó.€€Before€a€business€entity€provides€any€informa‚tionÐ D”  Ðunder€paragraph€(1),€unless€the€business€entity,€at€its€discretion,€otherwise€has€a€highÐ *z  Ðdegree€of€confidence€that€it€knows€the€identity€of€the€victim€making€a€request€underÐ ` Ðparagraph€(1),€the€victim€shall€provide€to€the€business€entity--ÐöF4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(A)à0Œ 4(#4(#àas€proof€of€positive€identification€of€the€victim,€at€the€election€of€the€businessÐ Â Ðentityð!ðШøŒ (#Œ (# ÐÌà Ü àà  àà 4 àà ` à(i)€à0 Œ àà0¸ Œ (#Œ (#àthe€presentation€of€a€government-issued€identification€card;Ðtĸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà ` à(ii)€à0¸ 4(#4(#àpersonally€identifying€information€of€the€same€type€as€was€provided€to€theÐ @ Ðbusiness€entity€by€the€unauthorized€person;€orÐ&v¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà ` à(iii)€à0¸ 4(#4(#àpersonally€identifying€information€that€the€business€entity€typicallyÐ òB Ðrequests€from€new€applicants€or€for€new€transactions,€at€the€time€of€theÐ Ø( Ðvictim's€request€for€information,€including€any€documentation€described€inÐ ¾ Ðclauses€(i)€and€(ii);€andФô¸ (#¸ (# ÐÌà Ü àà  àà 4 à(B)€à0 Œ àas€proof€of€a€claim€of€identity€theft,€at€the€election€of€the€business€entity--Ðp!À Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà ` à(i)à0Œ 4(#4(#àà0¸ Œ (#Œ (#àa€copy€of€a€police€report€evidencing€the€claim€of€the€victim€of€identityÐ <#Œ" Ðtheft;€andÐ"$r#¸ (#¸ (# ÐÌà Ü àà  àà 4 àà ` à(ii)à0 Œ àà0¸ Œ (#Œ (#àa€properly€completed--Ðî%>!%¸ (#¸ (# ÐÌà0 Ü àà  àà 4 àà ` àà Œ à(I)à0¸ Ü(#Ü(#àà0ä ¸ (#¸ (#àcopy€of€a€standardized€affidavit€of€identity€theft€developed€and€madeÐ º' #' Ðavailable€by€the€Commission;€orР(ð#(ä (#ä (# ÐÌà Ü àà  àà 4 àà ` à€€€€€(II)à0 ¸ àà0ä ¸ (#¸ (#àan€affidavit€of€fact€that€is€acceptable€to€the€business€entity€for€thatÐ l*¼%* Ðpurpose.ÐR+¢&+ä (#ä (# ÐÌà Ü àà  à(3)€òòProceduresóó.€€The€request€of€a€victim€under€paragraph€(1)€shall--Ð -n(- ÐÌà Ü àà  àà 4 à(A)à0 Œ àbe€in€writing;Ðê.:*/Œ (#Œ (# ÐÌà Ü àà  àà 4 à(B)à0 Œ àbe€mailed€to€an€address€specified€by€the€business€entity,€if€any;€andж0,1Œ (#Œ (# ÐÑB½‰'Ñâ BâÑÇÇÑÑÀ°Ñâ BâÑ  ÑÌà Ü à€€€€à0  àà04(#(#àÔ_Ô(C)Ô_Ôà0Œ 4(#4(#àif€asked€by€the€business€entity,€include€relevant€information€about€anyÐ ¦æ Ðtransaction€alleged€to€be€a€result€of€identity€theft€to€facilitate€compliance€withÐ ŒÌ Ðthis€section€includingð!ðÐr²Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà0` 4(#4(#à(i)à0Œ ` (#` (#àà0¸ Œ (#Œ (#àif€known€by€the€victim€(or€if€readily€obtainable€by€the€victim),€the€date€ofÐ >~ Ðthe€application€or€transaction;€andÐ$ d¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà0` 4(#4(#à(ii)à0Œ ` (#` (#àà0¸ Œ (#Œ (#àif€known€by€the€victim€(or€if€readily€obtainable€by€the€victim),€any€otherÐ ð 0 Ðidentifying€information€such€as€an€account€or€transaction€number.ÐÖ  ¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#à(4)à04(#(#àòòNo€charge€to€victim.€€óóInformation€required€to€be€provided€under€paragraph€(1)€shallÐ ¢ â  Ðbe€so€provided€without€charge.ÐˆÈ 4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#à(5)à04(#(#àòòAuthority€to€decline€to€provide€informationóó.€€A€business€entity€may€decline€to€provideÐ T”  Ðinformation€under€paragraph€(1)€if,€in€the€exercise€of€good€faith,€the€business€entityÐ :z  Ðdetermines€that--Ð `4(#4(# ÐÌà Ü àà  àà 4 à(A)€à0 Œ àthis€subsection€does€not€require€disclosure€of€the€information;Ðì,Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(B)à0Œ 4(#4(#àafter€reviewing€the€information€provided€pursuant€to€paragraph€(2),€theÐ ¸ø Ðbusiness€entity€does€not€have€a€high€degree€of€confidence€in€knowing€the€trueÐ žÞ Ðidentity€of€the€individual€requesting€the€information;ЄČ (#Œ (# ÐÌÒe°Òà0 Ü àà0Üs#Üs#àà04s#s#àÔ_Ô(C)Ô_Ôà0Œ 4s#4s#àthe€request€for€the€information€is€based€on€a€misrepresentation€of€fact€by€theÐ P Ðin‚dividual€requesting€the€information€relevant€to€the€request€for€information;€orÐ6vŒ s#Œ s# ÐÌÒ°eÒà0 Ü àà0Ü(#Ü(#àà04(#(#à(D)€à0Œ 4(#4(#àthe€information€requested€is€Internet€navigational€data€or€similar€informationÐ B Ðabout€a€person's€visit€to€a€website€or€online€service.Ðè(Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#à(6)à04(#(#àòòLimitation€on€liability.óó€€Except€as€provided€in€section€621,€sections€616€and€617€doÐ ´ô Ðnot€apply€to€any€violation€of€this€subsection.КÚ4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#à(7)à04(#(#àòòLimitation€on€civil€liabilityóó.€€No€business€entity€may€be€held€civilly€liable€under€anyÐ f!¦! Ðprovision€of€Federal,€State,€or€other€law€for€disclosure,€made€in€good€faith€pursuant€toÐ L"Œ" Ðthis€subsection.Ð2#r#4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#à(8)à04(#(#àòòNo€new€recordkeeping€obligation.€óó€Nothing€in€this€subsection€creates€an€obligation€onÐ þ$>!% Ðthe€part€of€a€business€entity€to€obtain,€retain,€or€maintain€information€or€records€thatÐ ä%$"& Ðare€not€otherwise€required€to€be€obtained,€retained,€or€maintained€in€the€ordinaryÐ Ê& #' Ðcourse€of€its€business€or€under€other€applicable€law.а'ð#(4(#4(# ÐÌà Ü àà  à(9)€Rule€of€ConstructionÐ |)¼%* ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(A)à0Œ 4(#4(#àòòIn€generalóó.€€No€provision€of€subtitle€A€of€title€V€of€Public€Law€106-102,Ð H+ˆ', Ðprohibiting€the€disclosure€of€financial€information€by€a€business€entity€to€thirdÐ .,n(- Ðparties€shall€be€used€to€deny€disclosure€of€information€to€the€victim€under€thisÐ -T). Ðsubsection.Ðú-:*/Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(B)€òòà0Œ 4(#4(#àLimitation.€óó€Except€as€provided€in€subparagraph€(A),€nothing€in€thisÐ Æ/,1 Ðsubsection€permits€a€business€entity€to€disclose€information,€includingÐ ¬0ì,2 ÐÑÁN(Ñâ ÁâÑ@ÇÑѰÀÑâ ÁâÑ  Ñinformation€to€law€enforcement€under€subparagraphs€(B)€and€Ô_Ô(C)Ô_Ô€of€paragraphÐ ° Ð(1),€that€the€business€entity€is€otherwise€prohibited€from€disclosing€under€anyÐ –æ Ðother€applicable€provision€of€Federal€or€State€law.Ð|ÌŒ (#Œ (# ÐÌà0 Ü à€€€(10)à04Ü(#Ü(#àòòAffirmative€defense.€€óóIn€any€civil€action€brought€to€enforce€this€subsection,€it€is€anÐ H˜ Ðaffirmative€defense€(which€the€defendant€must€establish€by€a€preponderance€of€theÐ . ~ Ðevidence)€for€a€business€entity€to€file€an€affidavit€or€answer€stating€thatð!ðÐ d4(#4(# Ðà Ü àà  àà 4 àÌà0 Ü àà  àà 4 à(A)à0Œ Ü(#Ü(#àthe€business€entity€has€made€a€reasonably€diligent€search€of€its€availableÐ à 0 Ðbusiness€records;€andÐÆ  Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà 4 à(B)à0Œ (#(#àthe€records€requested€under€this€subsection€do€not€exist€or€are€not€reasonablyÐ ’â  Ðavailable.ÐxÈ Œ (#Œ (# ÐÌà0 Ü à€€€(11)à04Ü(#Ü(#àòòDefinition€of€victimóó.€For€purposes€of€this€subsection,€the€term€ð ðvictimðð€means€aÐ D”  Ðconsumer€whose€means€of€identification€or€financial€information€has€been€used€orÐ *z  Ðtransferred€(or€has€been€alleged€to€have€been€used€or€transferred)€without€theÐ ` Ðauthority€of€that€consumer,€with€the€intent€to€commit,€or€to€aid€or€abet,€an€identityÐ öF Ðtheft€or€a€similar€crime.ÐÜ,4(#4(# ÐÌà0 Ü à€€€(12)à04Ü(#Ü(#àòòEffective€date.óó€This€subsection€shall€become€effective€180€days€after€the€date€ofÐ ¨ø Ðenactment€of€this€subsection.ÐŽÞ4(#4(# ÐÌà0 Ü à€€€(13)à04Ü(#Ü(#àòòEffectiveness€studyóó.€€Not€later€than€18€months€after€the€date€of€enactment€of€thisÐ Zª Ðsubsection,€the€Comptroller€General€of€the€United€States€shall€submit€a€report€toÐ @ ÐCongress€assessing€the€effectiveness€of€this€provision.Ð&v4(#4(# Ðà0 Ü àà  àÐ Ü(#Ü(# Ðà Ü à(f)€Disclosure€of€Credit€ScoresÐ òB ÐÌà0 Ü àà  à(1)òòà04Ü(#Ü(#àIn€generalóó.€€Upon€the€request€of€a€consumer€for€a€credit€score,€a€consumer€reportingÐ ¾ Ðagency€shall€supply€to€the€consumer€a€statement€indicating€that€the€information€andÐ ¤ô Ðcredit€scoring€model€may€be€different€than€the€credit€score€that€may€be€used€by€theÐ Š Ú Ðlender,€and€a€notice€which€shall€include--Ðp!À 4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(A)à0Œ 4(#4(#àthe€current€credit€score€of€the€consumer€or€the€most€recent€credit€score€of€theÐ <#Œ" Ðconsumer€that€was€previously€calculated€by€the€credit€reporting€agency€for€aÐ "$r# Ðpurpose€related€to€the€extension€of€credit;Ð%X $Œ (#Œ (# ÐÌà Ü àà  àà 4 à(B)à0 Œ àthe€range€of€possible€credit€scores€under€the€model€used;ÐÔ&$"&Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àÔ_Ô(C)Ô_Ôà0Œ 4(#4(#àall€of€the€key€factors€that€adversely€affected€the€credit€score€of€the€consumerÐ  (ð#( Ðin€the€model€used,€the€total€number€of€which€shall€not€exceed€4,€subject€toÐ †)Ö$) Ðparagraph€(9);Ðl*¼%*Œ (#Œ (# ÐÌà Ü àà  àà 4 à(D)à0 Œ àthe€date€on€which€the€credit€score€was€created;€andÐ8,ˆ',Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(E)à0Œ 4(#4(#àthe€name€of€the€person€or€entity€that€provided€the€credit€score€or€credit€fileÐ .T). Ðupon€which€the€credit€score€was€created.Ðê.:*/Œ (#Œ (# ÐÐ Ð/ +0 ÐÑêƒn)Ñâ êâÑÇ@ÑѰ°Ñâ êâÑ  Ñà0 Ü àà0Ü(#Ü(#à(2)à04(#(#àòòDefinitions.€óó€For€purposes€of€this€subsection,€the€following€definitions€shall€apply:а4(#4(# ÐÌà Ü àà  àà 4 à(A)à0 Œ àThe€term€ð ðcredit€scoreðð€--Ð|ÌŒ (#Œ (# ÐÌÒ°Òà0 Ü àà0ܾ#ܾ#àà04¾#¾#àà0` 4¾#4¾#à(i)à0Œ ` ¾#` ¾#àà0¸ Œ ¾#Œ ¾#àmeans€a€numerical€value€or€a€categorization€derived€from€a€statistical€tool€orÐ H˜ Ðmodeling€system€used€by€a€person€who€makes€or€arranges€a€loan€to€predictÐ . ~ Ðthe€likelihood€of€certain€credit€behaviors,€including€default€(and€theÐ  d Ðnumerical€value€or€the€categorization€derived€from€such€analy‚sis€may€alsoÐ ú J Ðbe€referred€to€as€a€ð ðrisk€predictorðð€or€ð ðrisk€scoreðð);€andÐà 0¸ ¾#¸ ¾# ÐÌà Ü àà  àà 4 àà ` à(ii)€à0 ¸ àdoes€not€include€ð!ð€Ð¬ ü ¸ ¾#¸ ¾# ÐÌà0 Ü àà  àà 4 àà ` àà0Œ ܾ#ܾ#à(I)à0¸ Œ ¾#Œ ¾#àà0ä ¸ ¾#¸ ¾#àany€mortgage€score€or€rating€of€an€automated€underwriting€system€thatÐ xÈ  Ðconsiders€one€or€more€factors€in€addition€to€credit€information,Ð ^®  Ðincluding€the€loan€to€value€ratio,€the€amount€of€down€payment,€or€theÐ D”  Ðfinancial€assets€of€a€consumer;€orÐ*z ä ¾#ä ¾# ÐÌÒîÒà Ü àà  àà 4 àà ` àà0 Œ à(II)€à0ä Œ ê$Œ ê$àany€other€elements€of€the€underwriting€process€or€underwriting€decision.ÐöFä ê$ä ê$ ÐÌÒ°îÒà0 Ü àà0Ü(#Ü(#àà04(#(#à(B)à0Œ 4(#4(#àThe€term€ð ðkey€factorsðð€means€all€relevant€elements€or€reasons€adverselyÐ Â Ðaffecting€the€credit€score€for€the€particular€individual,€listed€in€the€order€ofÐ ¨ø Ðtheir€importance€based€on€their€effect€on€the€credit€score.€ÐŽÞŒ (#Œ (# Ðà Ü àà  àà 4 àà ` àà Œ àà ¸ àà ä àà  àà < àà h àà ” àà À àà ì àà  àà D àà p àà œ àà È àà ô àà  àà L àà x àÌà0 Ü àà0Ü(#Ü(#à(3)òòà04(#(#àTimeframe€and€manner€of€disclosureóó.€€The€information€required€by€this€subsectionÐ Zª Ðshall€be€provided€in€the€same€timeframe€and€manner€as€the€information€described€inÐ @ Ðsubsection€(a).Ð&v4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#à(4)à04(#(#àòòApplicability€to€certain€uses.€óó€This€subsection€shall€not€be€construed€so€as€to€compel€aÐ òB Ðconsumer€reporting€agency€to€develop€or€disclose€a€score€if€the€agency€does€not--ÐØ(4(#4(# ÐÌà Ü à€€€€€€à0 4 à(A)à0Œ 4(#4(#àdistribute€scores€that€are€used€in€connection€with€residential€real€propertyÐ ¤ô Ðloans;€orЊ ÚŒ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#à€€à04(#(#à(B)à0Œ 4(#4(#àdevelop€scores€that€assist€credit€providers€in€understanding€the€general€creditÐ V"¦! Ðbehavior€of€a€consumer€and€predicting€the€future€credit€behavior€of€theÐ <#Œ" Ðconsumer.Ð"$r#Œ (#Œ (# ÐÌà Ü àà  à(5)€Applicability€to€credit€scores€developed€by€another€person.Ð î%>!% ÐÌà Ü à€€€€à0  àà04(#(#à(A)à0Œ 4(#4(#àòòIn€generalóó.€€This€subsection€shall€not€be€construed€to€require€a€consumerÐ º' #' Ðreporting€agency€that€distributes€credit€scores€developed€by€another€person€orÐ  (ð#( Ðentity€to€provide€a€further€explanation€of€them,€or€to€process€a€dispute€arisingÐ †)Ö$) Ðpursuant€to€section€611,€except€that€the€consumer€reporting€agency€shallÐ l*¼%* Ðprovide€the€consumer€with€the€name€and€address€and€website€for€contactingÐ R+¢&+ Ðthe€person€or€entity€who€developed€the€score€or€developed€the€methodology€ofÐ 8,ˆ', Ðthe€score.Ð-n(-Œ (#Œ (# ÐÌÒe°Òà0 Ü àà  àà 4 à(B)òòà0Œ Üs#Üs#àException.€óó€This€paragraph€shall€not€apply€to€a€consumer€reporting€agency€thatÐ ê.:*/ Ðdevelops€or€modifies€scores€that€are€developed€by€another€person€or€entity.ÐÐ/ +0Œ s#Œ s# ÐÐ ¶0,1 ÐÑë×±*Ñâ ëâÑÇÇÑâ ëâÑ  ÑÒ°eÒà0 Ü àà0Ü(#Ü(#à(6)à04(#(#àòòMaintenance€of€credit€scores€not€requiredóó.€€This€subsection€shall€not€be€construed€toÐ ° Ðrequire€a€consumer€reporting€agency€to€maintain€credit€scores€in€its€files.Жæ4(#4(# ÐÒe°ÒÌà0 Ü àà0Üs#Üs#à(7)à04s#s#àòòCompliance€in€certain€casesóó.€€In€complying€with€this€subsection,€a€consumer€reportingÐ b² Ðagency€shall€ð!ð€ÐH˜4s#4s# ÐÌÒ°eÒà0 Ü àà0Ü(#Ü(#à€à04(#(#à(A)à0Œ 4(#4(#àsupply€the€consumer€with€a€credit€score€that€is€derived€from€a€credit€scoringÐ  d Ðmodel€that€is€widely€distributed€to€users€by€that€consumer€reporting€agency€inÐ ú J Ðconnection€with€residential€real€property€loans€or€with€a€credit€score€thatÐ à 0 Ðassists€the€consumer€in€understanding€the€credit€scoring€assessment€of€theÐ Æ   Ðcredit€behavior€of€the€consumer€and€predictions€about€the€future€creditÐ ¬ ü  Ðbehavior€of€the€consumer;€andÐ’â Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#à€€€€à04(#(#à(B)à0Œ 4(#4(#àa€statement€indicating€that€the€information€and€credit€scoring€model€may€beÐ ^®  Ðdifferent€than€that€used€by€the€lender.ÐD” Œ (#Œ (# ÐÌà Ü àà  à(8)à0 4 àòòFair€and€reasonable€fee.€óó€A€consumer€reporting€agency€may€charge€a€fair€andÐ ` Ðreasonable€fee,€as€determined€by€the€Commission,€for€providing€the€informationÐöF4(#4(# ÐÒX°Ò€à0 Ü àà0Ü€%Ü€%àà04€%€%àrequired€under€this€subsection.à€óóZ€%4€%4€%àòòò òSee€also€69€Fed.€Reg.€64698€(11/08/04)ˆÐ Ü, Ðó óóóÌÒ°XÒà0 Ü àà  à(9)à04Ü(#Ü(#àòòUse€of€enquiries€as€a€key€factor.€óó€If€a€key€factor€that€adversely€affects€the€credit€scoreÐ ¨ø Ðof€a€consumer€consists€of€the€number€of€enquiries€made€with€respect€to€a€consumerÐ ŽÞ Ðreport,€that€factor€shall€be€included€in€the€disclosure€pursuant€to€paragraph€(1)Ô_Ô(C)Ô_ÔÐ tÄ Ðwithout€regard€to€the€numerical€limitation€in€such€paragraph.ÐZª4(#4(# ÐÌà0 Ü à(g)€Disclosure€of€Credit€Scores€by€Certain€Mortgage€LendersÐ&vÜ(#Ü(# ÐÌà0 Ü àà  à(1)à04Ü(#Ü(#àòòIn€generalóó.€€Any€person€who€makes€or€arranges€loans€and€who€uses€a€consumer€creditÐ òB Ðscore,€as€defined€in€subsection€(f),€in€connection€with€an€application€initiated€orÐ Ø( Ðsought€by€a€consumer€for€a€closed€end€loan€or€the€establishment€of€an€open€end€loanÐ ¾ Ðfor€a€consumer€purpose€that€is€secured€by€1€to€4€units€of€residential€real€propertyÐ ¤ô Ð(hereafter€in€this€subsection€referred€to€as€the€ð ðlenderðð)€shall€provide€the€following€toÐ Š Ú Ðthe€consumer€as€soon€as€reasonably€practicable:Ðp!À 4(#4(# ÐÌà Ü àà0  àà04(#(#à(A)à0Œ 4(#4(#àInformation€Required€under€Subsection€(f)Ð<#Œ"Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà0` 4(#4(#à(i)à0Œ ` (#` (#àòòà0¸ Œ (#Œ (#àIn€general.€óó€A€copy€of€the€information€identified€in€subsection€(f)€that€wasÐ %X $ Ðobtained€from€a€consumer€reporting€agency€or€was€developed€and€used€byÐ î%>!% Ðthe€user€of€the€information.ÐÔ&$"&¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà0` 4(#4(#à(ii)à0Œ ` (#` (#àòòà0¸ Œ (#Œ (#àNotice€under€subparagraph€(D)óó.€€In€addition€to€the€information€providedÐ  (ð#( Ðto€it€by€a€third€party€that€provided€the€credit€score€or€scores,€a€lender€isÐ †)Ö$) Ðonly€required€to€provide€the€notice€contained€in€subparagraph€(D).Ðl*¼%*¸ (#¸ (# ÐÌà Ü àà  àà 4 à(B)€à0 Œ àDisclosures€in€Case€of€Automated€Underwriting€SystemÐ8,ˆ',Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà ` à(i)òòà0Œ 4(#4(#àà0¸ Œ (#Œ (#àIn€generalóó.€€If€a€person€that€is€subject€to€this€subsection€uses€an€auto‚matedÐ .T). Ðunderwriting€system€to€underwrite€a€loan,€that€person€may€satisfy€theÐ ê.:*/ Ðobligation€to€provide€a€credit€score€by€disclosing€a€credit€score€andÐ Ð/ +0 Ðassociated€key€factors€supplied€by€a€consumer€reporting€agency.€Ð¶0,1¸ (#¸ (# ÐÑ›1†+Ñâ ›âÑÇÇÑѰ°Ñâ ›âÑ  ÑÌÒe°Òà0 Ü àà0Üs#Üs#àà04s#s#à€€€€€(ii)à0Œ 4s#4s#àòòà0¸ Œ s#Œ s#àNumerical€credit€score.€óó€However,€if€a€numerical€credit€score€is€generatedÐ –æ Ðby€an€automated€underwriting€system€used€by€an€enterprise,€and€that€scoreÐ |Ì Ðis€disclosed€to€the€person,€the€score€shall€be€disclosed€to€the€consumerÐ b² Ðconsistent€with€subparagraph€Ô_Ô(C)Ô_Ô.ÐH˜¸ s#¸ s# ÐÌÒÏeÒà0 Ü àà0Ü $Ü $àà04 $ $à€€€€(iii)à0Œ 4 $4 $àà0¸ Œ $Œ $àòòEnterprise€defined.€óó€For€purposes€of€this€subparagraph,€the€term€ð ðenter‚priseððÐ  d Ðhas€the€same€meaning€as€in€paragraph€(6)€of€section€1303€of€the€FederalÐ ú J ÐHousing€Enterprises€Financial€Safety€and€Soundness€Act€of€1992.Ðà 0¸ $¸ $ ÐÌà0 Ü àà0Ü $Ü $àà04 $ $àÔ_Ô(C)Ô_Ôà0Œ 4 $4 $àòòDisclosures€of€credit€scores€not€obtained€from€a€consumer€reporting€agency.€€óóAÐ ¬ ü  Ðperson€that€is€subject€to€the€provisions€of€this€subsection€and€that€uses€a€cred‚itÐ ’â  Ðscore,€other€than€a€credit€score€provided€by€a€consumer€reporting€agency,€mayÐ xÈ  Ðsatisfy€the€obligation€to€provide€a€credit€score€by€disclosing€a€credit€score€andÐ ^®  Ðassociated€key€factors€supplied€by€a€consumer€reporting€agency.ÐD” Œ $Œ $ ÐÌÒ°ÏÒà0 Ü àà0Ü(#Ü(#àà04(#(#à(D)à0Œ 4(#4(#àòòNotice€to€home€loan€applicants.€€óóA€copy€of€the€following€notice,€which€shallÐ ` Ðinclude€the€name,€address,€and€telephone€number€of€each€consumer€reportingÐ öF Ðagency€providing€a€credit€score€that€was€used:ÐÜ,Œ (#Œ (# ÐÌà0 Ü àÔ‡&¦XX,¦Ôà  àÔ#†,¦XX&¦±Ü#ÔÔ‡¦XX,¦Ôð ðNotice€To€The€Home€Loan€ApplicantШøÜ(#Ü(# ÐÌà8 Ü àà  àð ðIn€connection€with€your€application€for€a€home€loan,€the€lender€must€disclose€to€youÐ tÄ Ðthe€score€that€a€consumer€reporting€agency€distributed€to€users€and€the€lender€used€inÐ Zª Ðconnection€with€your€home€loan,€and€the€key€factors€affecting€your€credit€scores.Ð@Üü!Üü! ÐÌà8 Ü àà  àð ðThe€credit€score€is€a€computer€generated€summary€calculated€at€the€time€of€theÐ  \ Ðrequest€and€based€on€information€that€a€consumer€reporting€agency€or€lender€has€on€file.Ð òB ÐThe€scores€are€based€on€data€about€your€credit€history€and€payment€patterns.€CreditÐ Ø( Ðscores€are€important€because€they€are€used€to€assist€the€lender€in€determining€whetherÐ ¾ Ðyou€will€obtain€a€loan.€They€may€also€be€used€to€determine€what€interest€rate€you€may€beÐ ¤ô Ðoffered€on€the€mortgage.€Credit€scores€can€change€over€time,€depending€on€your€conduct,Ð Š Ú Ðhow€your€credit€history€and€payment€patterns€change,€and€how€credit€scoringÐ p!À  Ðtechnologies€change.ÐV"¦!Üü!Üü! ÐÌà8 Ü àà  àð ðBecause€the€score€is€based€on€information€in€your€credit€history,€it€is€very€importantÐ "$r# Ðthat€you€review€the€credit-related€information€that€is€being€furnished€to€make€sure€it€isÐ %X $ Ðaccurate.€Credit€records€may€vary€from€one€company€to€another.Ðî%>!%Üü!Üü! ÐÌà8 Ü àà  àð ðIf€you€have€questions€about€your€credit€score€or€the€credit€information€that€isÐ º' #' Ðfurnished€to€you,€contact€the€consumer€reporting€agency€at€the€address€and€telephoneÐ  (ð#( Ðnumber€provided€with€this€notice,€or€contact€the€lender,€if€the€lender€developed€orÐ †)Ö$) Ðgenerated€the€credit€score.€The€con‚sumer€reporting€agency€plays€no€part€in€the€decisionÐ l*¼%* Ðto€take€any€action€on€the€loan€application€and€is€unable€to€provide€you€with€specificÐ R+¢&+ Ðreasons€for€the€decision€on€a€loan€application.Ð8,ˆ',Üü!Üü! ÐÌà8 Ü àà  àð ðIf€you€have€questions€concerning€the€terms€of€the€loan,€contact€the€lender.ððÔ#†,¦XX¦ÿÜ#ÔÐ.T).Üü!Üü! ÐÌà Ü àà  àà 4 à(E)à0 Œ àòòActions€not€required€under€this€subsection.€óóThis€subsection€shall€not€requireÐ Ð/ +0 Ðany€person€to€Ô_Ôð!ðÔ_Ôж0,1Œ (#Œ (# ÐÑ}N,Ñâ âÑ>ÇÑѰ°Ñâ âÑ  Ñà Ü àà  àà 4 àà ` àÌà Ü àà  àà 4 àà ` à(i)€à0 Œ àà0¸ Œ (#Œ (#àexplain€the€information€provided€pursuant€to€subsection€(f);Ð–æ¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà ` à(ii)à0Œ 4(#4(#àà0¸ Œ (#Œ (#àdisclose€any€information€other€than€a€credit€score€or€key€factors,€asÐ b² Ðdefined€in€subsection€(f);ÐH˜¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà ` à(iii)€à0¸ 4(#4(#àdisclose€any€credit€score€or€related€information€obtained€by€the€user€afterÐ  d Ða€loan€has€closed;Ðú J¸ (#¸ (# ÐÌà Ü àà  àà 4 àà ` à(iv)€à0 ¸ àprovide€more€than€1€disclosure€per€loan€transaction;€orÐÆ  ¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà ` à(v)€à0¸ 4(#4(#àprovide€the€disclosure€required€by€this€subsection€when€another€personÐ ’â  Ðhas€made€the€disclosure€to€the€consumer€for€that€loan€transaction.ÐxÈ ¸ (#¸ (# ÐÌà Ü àà  àà 4 à(F)€à0 Œ àNo€Obligation€for€ContentÐD” Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà ` à(i)à0Œ 4(#4(#àòòà0¸ Œ (#Œ (#àIn€generalóó.€€The€obligation€of€any€person€pursuant€to€this€subsection€shallÐ ` Ðbe€limited€solely€to€providing€a€copy€of€the€information€that€was€receivedÐ öF Ðfrom€the€consumer€reporting€agency.ÐÜ,¸ (#¸ (# Ðà Ü àà  àà 4 àà ` àà Œ àà ¸ àà ä àà  àà < àà h àà ” àÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà0` 4(#4(#à(ii)à0Œ ` (#` (#àòòà0¸ Œ (#Œ (#àLimit€on€liabilityóó.€€No€person€has€liability€under€this€subsection€for€theÐ ¨ø Ðcontent€of€that€information€or€for€the€omission€of€any€information€withinÐ ŽÞ Ðthe€report€provided€by€the€consumer€reporting€agency.Ðtĸ (#¸ (# ÐÌà0 Ü àà  àà 4 à(G)à0Œ Ü(#Ü(#àòòPerson€defined€as€excluding€enterprise.€€óóAs€used€in€this€subsection,€the€termÐ @ Ðð ðper‚sonðð€does€not€include€an€enterprise€(as€defined€in€paragraph€(6)€of€sectionÐ &v Ð1303€of€the€Federal€Housing€Enterprises€Financial€Safety€and€Soundness€ActÐ  \ Ðof€1992).ÐòBŒ (#Œ (# ÐÌà Ü àà  à(2)€€Prohibition€on€Disclosure€Clauses€Null€and€VoidÐ ¾ ÐÌà0 Ü àà0Ü(#Ü(#àà 4 à(A)à0Œ (#(#àòòIn€general.€óó€Any€provision€in€a€contract€that€prohibits€the€disclosure€of€aÐ Š Ú Ðcredit€score€by€a€person€who€makes€or€arranges€loans€or€a€consumer€reportingÐ p!À  Ðagency€is€void.ÐV"¦!Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà 4 à(B)€à0Œ (#(#àòòNo€liability€for€disclosure€under€this€subsectionóó-€A€lender€shall€not€haveÐ "$r# Ðliability€under€any€contractual€provision€for€disclosure€of€a€credit€scoreÐ %X $ Ðpursuant€to€this€subsection.Ðî%>!%Œ (#Œ (# ÐÌò òðð€610.€€Conditions€and€form€of€disclosure€to€consumers€ó ó[15€U.S.C.€ðð1681h]ò òÐ º' #' Ðó óÌà Ü à(a)à0  àIn€GeneralІ)Ö$)(#(# ÐÌ€€€€à Ü àà  à(1)à0 4 àòòProper€identificationóó.€€A€consumer€reporting€agency€shall€require,€as€a€condition€ofÐ R+¢&+ Ðmaking€the€disclosures€required€under€section€609€[ðð1681g],€that€the€consumerÐ 8,ˆ', Ðfurnish€proper€identification.Ð-n(-4(#4(# ÐÌÒ°Ò€€€€à Ü àà  à(2)à0 4 àòòDisclosure€in€writing.€óó€Except€as€provided€in€subsection€(b),€the€disclosures€required€toÐ ê.:*/ Ðbe€made€under€section€609€[ðð1681g]€shall€be€provided€under€that€section€in€writing.ÐÐ/ +04¾#4¾# ÐÑ= m-Ñâ =âÑ>ÑѰ°Ñâ =âÑ  ÑÌÒ°Ò€à Ü à(b)à0  àOther€Forms€of€Disclosure€€Ð–æ(#(# Ðà Ü àà  àà 4 àà ` àà Œ àà ¸ àà ä àà  àà < àà h àÌ€€€à Ü àà  à(1)à0 4 àòòIn€general.€óó€If€authorized€by€a€consumer,€a€consumer€reporting€agency€may€make€theÐ b² Ðdisclosures€required€under€609€[ðð1681g]€ÐH˜4(#4(# ÐÌà Ü àà  àà 4 à(A)à0 Œ àother€than€in€writing;€andÐ dŒ (#Œ (# ÐÌà Ü àà  àà 4 à(B)à0 Œ àin€such€form€as€may€be€€Ðà 0Œ (#Œ (# ÐÌà Ü àà0  àà 4 àà ` à(i)à0Œ (#(#àà0¸ Œ (#Œ (#àspecified€by€the€consumer€in€accordance€with€paragraph€(2);€andЬ ü ¸ (#¸ (# ÐÌà Ü àà0  àà 4 àà ` à(ii)à0Œ (#(#àà0¸ Œ (#Œ (#àavailable€from€the€agency.ÐxÈ ¸ (#¸ (# ÐÌ€€€à Ü àà  à(2)à0 4 àòòForm.óó€€A€consumer€may€specify€pursuant€to€paragraph€(1)€that€disclosures€underÐ D”  Ðsection€609€[ðð1681g]€shall€be€made€€Ð*z 4(#4(# ÐÌ€€€€à0 Ü àà0Ü(#Ü(#àà04(#(#à(A)à0Œ 4(#4(#àin€person,€upon€the€appearance€of€the€consumer€at€the€place€of€business€of€theÐ öF Ðconsumer€reporting€agency€where€disclosures€are€regularly€provided,€duringÐ Ü, Ðnormal€business€hours,€and€on€reasonable€notice;ÐÂŒ (#Œ (# ÐÌà Ü à€€€€€à0  àà04(#(#à(B)à0Œ 4(#4(#àby€telephone,€if€the€consumer€has€made€a€written€request€for€disclosure€byÐ ŽÞ Ðtelephone;ÐtÄŒ (#Œ (# ÐÌ€€€€à Ü àà  à€€à0 4 àÔ_Ô(C)Ô_Ô€€à0Œ 4(#4(#àby€electronic€means,€if€available€from€the€agency;€orÐ@Œ (#Œ (# ÐÌ€€€€à Ü àà  à€€€€€€(D)€€à0 Œ àby€any€other€reasonable€means€that€is€available€from€the€agency.Ð \Œ (#Œ (# ÐÌà Ü àÔ_Ô(c)Ô_Ôà0  àòòTrained€personnelóó.€Any€consumer€reporting€agency€shall€provide€trained€personnel€toÐ Ø( Ðexplain€to€the€consumer€any€information€furnished€to€him€pursuant€to€section€609Ð ¾ Ð[ðð1681g]€of€this€title.Фô(#(# ÐÌ€€à Ü à(d)à0  àòòPersons€accompanying€consumeróó.€The€consumer€shall€be€permitted€to€be€accompaniedÐ p!À  Ðby€one€other€person€of€his€choosing,€who€shall€furnish€reasonable€identification.€AÐ V"¦! Ðconsumer€reporting€agency€may€require€the€consumer€to€furnish€a€written€statementÐ <#Œ" Ðgranting€permission€to€the€consumer€reporting€agency€to€discuss€the€consumer's€file€inÐ "$r# Ðsuch€person's€presence.Ð%X $(#(# ÐÌ€€à Ü à(e)à0  àòòLimitation€of€liabilityóó.€Except€as€provided€in€sections€616€and€617€[ðððð1681n€and€1681o]Ð Ô&$"& Ðof€this€title,€no€consumer€may€bring€any€action€or€proceeding€in€the€nature€of€defama‚tion,Ð º' #' Ðinvasion€of€privacy,€or€negligence€with€respect€to€the€reporting€of€information€againstÐ  (ð#( Ðany€consumer€reporting€agency,€any€user€of€information,€or€any€person€who€furnishesÐ †)Ö$) Ðinformation€to€a€consumer€reporting€agency,€based€on€information€disclosed€pursuant€toÐ l*¼%* Ðsection€609,€610,€or€615€[ðððð1681g,€1681h,€or€1681m]€of€this€title€or€based€onÐ R+¢&+ Ðinformation€disclosed€by€a€user€of€a€consumer€report€to€or€for€a€consumer€against€whomÐ 8,ˆ', Ðthe€user€has€taken€adverse€action,€based€in€whole€or€in€part€on€the€report,€except€as€toÐ -n(- Ðfalse€information€furnished€with€malice€or€willful€intent€to€injure€such€consumer.€€Ð.T).(#(# ÐÑZïc.Ñâ ZâÑÇÑâ ZâÑ  ÑÒ’°Òà Ü àÌÒ°’Òò òðð€611.€€Procedure€in€case€of€disputed€accuracyó ó€[15€U.S.C.€ðð1681i]Ð –æ ÐÌ€€à Ü à(a)à0  àReinvestigations€of€Disputed€InformationÐb²(#(# ÐÌ€€€€à Ü àà  à(1)à0 4 àReinvestigation€RequiredÐ. ~4(#4(# ÐÌà Ü àà0  à€€€€à04(#(#à(A)à0Œ 4(#4(#àòòIn€generalóó.€€Subject€to€subsection€(f),€if€the€completeness€or€accuracy€of€anyÐ ú J Ðitem€of€information€contained€in€a€consumer's€file€at€a€consumer€reportingÐ à 0 Ðagency€is€disputed€by€the€consumer€and€the€consumer€notifies€the€agencyÐ Æ   Ðdirectly,€or€indirectly€through€a€reseller,€of€such€dispute,€the€agency€shall,€freeÐ ¬ ü  Ðof€charge,€conduct€a€reasonable€reinvestigation€to€determine€whether€theÐ ’â  Ðdisputed€information€is€inaccurate€and€record€the€current€status€of€the€disputedÐ xÈ  Ðinformation,€or€delete€the€item€from€the€file€in€accordance€with€paragraph€(5),Ð ^®  Ðbefore€the€end€of€the€30-day€period€beginning€on€the€date€on€which€theÐ D”  Ðagency€receives€the€notice€of€the€dispute€from€the€consumer€or€reseller.Ð*z Œ (#Œ (# ÐÌà Ü à€€€€€à0  àà04(#(#à(B)à0Œ 4(#4(#àòòExtension€of€period€to€reinvestigate.óó€€Except€as€provided€in€subparagraph€Ô_Ô(C)Ô_Ô,Ð öF Ðthe€30-day€period€described€in€subparagraph€(A)€may€be€extended€for€notÐ Ü, Ðmore€than€15€additional€days€if€the€consumer€reporting€agency€receivesÐ Â Ðinformation€from€the€consumer€during€that€30-day€period€that€is€relevant€toÐ ¨ø Ðthe€reinvestigation.ÐŽÞŒ (#Œ (# ÐÌ€€€à Ü à€€€€€à0  àà04(#(#àÔ_Ô(C)Ô_Ô€à0Œ 4(#4(#àòòLimitations€on€extension€of€period€to€reinvestigate.óó€€Subparagraph€(B)€shallÐ Zª Ðnot€apply€to€any€reinvestigation€in€which,€during€the€30-day€period€describedÐ @ Ðin€subparagraph€(A),€the€information€that€is€the€subject€of€the€reinvestigationÐ &v Ðis€found€to€be€inaccurate€or€incomplete€or€the€consumer€reporting€agencyÐ  \ Ðdetermines€that€the€information€cannot€be€verified.ÐòBŒ (#Œ (# ÐÌ€à Ü àà  à(2)à0 4 àPrompt€Notice€of€Dispute€to€Furnisher€of€Informationо4(#4(# ÐÌ€€€€à Ü à€€€€à0  àà04(#(#à(A)à0Œ 4(#4(#àòòIn€general.óó€€Before€the€expiration€of€the€5-business-day€period€beginning€on€Ð Š Ú Ðthe€date€on€which€a€consumer€reporting€agency€receives€notice€of€a€disputeÐ p!À  Ðfrom€any€consumer€or€a€reseller€in€accordance€with€paragraph€(1),€the€agencyÐ V"¦! Ðshall€provide€notification€of€the€dispute€to€any€person€who€provided€any€itemÐ <#Œ" Ðof€information€in€dispute,€at€the€address€and€in€the€manner€established€withÐ "$r# Ðthe€person.€The€notice€shall€include€all€relevant€information€regarding€theÐ %X $ Ðdispute€that€the€agency€has€received€from€the€consumer€or€reseller.Ðî%>!%Œ (#Œ (# ÐÌ€€€€à Ü à€€€€€à0  àà04(#(#à(B)à0Œ 4(#4(#àòòProvision€of€other€information.€óó€The€consumer€reporting€agency€shallÐ º' #' Ðpromptly€provide€to€the€person€who€provided€the€information€in€dispute€allÐ  (ð#( Ðrelevant€information€regarding€the€dispute€that€is€received€by€the€agency€fromÐ †)Ö$) Ðthe€consumer€or€the€reseller€after€the€period€referred€to€in€subpara‚graph€(A)Ð l*¼%* Ðand€before€the€end€of€the€period€referred€to€in€paragraph€(1)(A).ÐR+¢&+Œ (#Œ (# ÐÌà Ü àà  à(3)à0 4 àDetermination€That€Dispute€Is€Frivolous€or€IrrelevantÐ-n(-4(#4(# ÐÌÒϰҀ€€€à Ü à€€€€à0  àà04 $ $à(A)à0Œ 4 $4 $àòòIn€generalóó.€€Notwithstanding€paragraph€(1),€a€consumer€reporting€agency€mayÐ ê.:*/ Ðterminate€a€reinvestigation€of€information€disputed€by€a€consumer€under€thatÐ Ð/ +0 Ðparagraph€if€the€agency€reasonably€determines€that€the€dispute€by€the€con‚sumerÐ ¶0,1 Ðis€frivolous€or€irrelevant,€including€by€reason€of€a€failure€by€a€consum‚er€toÐ ° Ðprovide€sufficient€information€to€investigate€the€disputed€information.Ð–æŒ $Œ $ ÐÌ€€€€à Ü à€€€€€à0  àà04 $ $à(B)à0Œ 4 $4 $àòòNotice€of€determinationóó.€€Upon€making€any€determination€in€accordance€withÐ b² Ðsubparagraph€(A)€that€a€dispute€is€frivolous€or€irrelevant,€a€consumer€report‚ingÐ H˜ Ðagency€shall€notify€the€consumer€of€such€determination€not€later€than€5€businessÐ . ~ Ðdays€after€making€such€determination,€by€mail€or,€if€authorized€by€the€consumerÐ  d Ðfor€that€purpose,€by€any€other€means€available€to€the€agency.Ðú JŒ $Œ $ ÐÌÒ°ÏÒ€€€à Ü à€€€€€à0  àà04(#(#àÔ_Ô(C)Ô_Ô€€à0Œ 4(#4(#àòòContents€of€noticeóó.€€A€notice€under€subparagraph€(B)€shall€include€€ÐÆ  Œ (#Œ (# ÐÌ€€€€à Ü àà  àà 4 àà0 ` à(i)à0Œ ` (#` (#àà0¸ Œ (#Œ (#àthe€reasons€for€the€determination€under€subparagraph€(A);€andÐ’â ¸ (#¸ (# ÐÌ€€€€à Ü àà  àà 4 àà0 ` à(ii)à0Œ ` (#` (#àà0¸ Œ (#Œ (#àidentification€of€any€information€required€to€investigate€the€disputedÐ ^®  Ðinformation,€which€may€consist€of€a€standardized€form€describing€theÐ D”  Ðgeneral€nature€of€such€information.à p àÐ*z ¸ (#¸ (# Ðà Ü àÌà Ü àà  à(4)à0 4 àòòConsideration€of€consumer€informationóó.€€In€conducting€any€reinvestigation€under€€€€Ð öF Ðparagraph€(1)€with€respect€to€disputed€information€in€the€file€of€any€consumer,€theÐ Ü, Ðconsumer€reporting€agency€shall€review€and€consider€all€relevant€informationÐ Â Ðsubmitted€by€the€consumer€in€the€period€described€in€paragraph€(1)(A)€with€respect€toÐ ¨ø Ðsuch€disputed€information.ÐŽÞ4(#4(# ÐÌ€€€€à Ü àà  à(5)€€Treatment€of€Inaccurate€or€Unverifiable€Information€€Ð Zª ÐÌ€€€à Ü àà0  àà04(#(#à(A)à0Œ 4(#4(#àòòIn€generalóó.€€If,€after€any€reinvestigation€under€paragraph€(1)€of€any€informaƒÐ &v Ðtion€disputed€by€a€consumer,€an€item€of€the€information€is€found€to€be€inaccuƒÐ  \ Ðrate€or€incomplete€or€cannot€be€verified,€the€consumer€reporting€agency€shallð!ðÐòBŒ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà0` 4(#4(#à(i)à0Œ ` (#` (#àà0¸ Œ (#Œ (#àpromptly€delete€that€item€of€information€from€the€file€of€the€consumer,€orÐ ¾ Ðmodify€that€item€of€information,€as€appropriate,€based€on€the€results€of€theÐ ¤ô Ðreinvestigation;€andЊ Ú¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà0` 4(#4(#à(ii)à0Œ ` (#` (#àà0¸ Œ (#Œ (#àpromptly€notify€the€furnisher€of€that€information€that€the€information€hasÐ V"¦! Ðbeen€modified€or€deleted€from€the€file€of€the€consumer.Ð<#Œ"¸ (#¸ (# Ðà Ü àà  àà 4 àà ` àà Œ àà ¸ àà ä àÌ€€€€à Ü àà  à€€€€à0 4 à(B)€à0Œ 4(#4(#àRequirements€Relating€to€Reinsertion€of€Previously€Deleted€Material€Ð%X $Œ (#Œ (# ÐÌ€€€€à Ü àà  àà0 4 àà0` 4(#4(#à(i)€€à0¸ ` (#` (#àòòCertification€of€accuracy€of€information.óó€€If€any€information€is€deletedÐ Ô&$"& Ðfrom€a€consumer's€file€pursuant€to€subparagraph€(A),€the€information€mayÐ º' #' Ðnot€be€reinserted€in€the€file€by€the€consumer€reporting€agency€unless€theÐ  (ð#( Ðperson€who€furnishes€the€information€certifies€that€the€information€isÐ †)Ö$) Ðcomplete€and€accurate.Ðl*¼%*¸ (#¸ (# ÐÌ€€€€à Ü àà  àà0 4 àà0` 4(#4(#à(ii)€€à0¸ ` (#` (#àòòNotice€to€consumer.€óó€If€any€information€that€has€been€deleted€from€a€Ð 8,ˆ', Ðconsumer's€file€pursuant€to€subparagraph€(A)€is€reinserted€in€the€file,€theÐ -n(- Ðconsumer€reporting€agency€shall€notify€the€consumer€of€the€reinsertion€inÐ .T). Ðwriting€not€later€than€5€business€days€after€the€reinsertion€or,€if€authorizedÐ ê.:*/ Ðby€the€consumer€for€that€purpose,€by€any€other€means€available€to€the€Ð Ð/ +0 Ðagency.ж0,1¸ (#¸ (# Ї€€€à Ü àà  àà0 4 àà0` 4(#4(#à(iii)à0¸ ` (#` (#àòòAdditional€information.óó€€As€part€of,€or€in€addition€to,€the€notice€underÐ ° Ðclause€(ii),€a€consumer€reporting€agency€shall€provide€to€a€consumer€inÐ –æ Ðwriting€not€later€than€5€business€days€after€the€date€of€the€reinsertion€€Ð|̸ (#¸ (# ÐÌ€€€€à Ü àà0  àà04(#(#àà0` 4(#4(#àà0Œ ` (#` (#à(I)à0¸ Œ (#Œ (#à€à0ä ¸ (#¸ (#àa€statement€that€the€disputed€information€has€been€reinserted;ÐH˜ä (#ä (# ÐÌ€€€€à Ü àà0  àà04(#(#àà0` 4(#4(#àà0Œ ` (#` (#à(II)à0ä Œ (#Œ (#àthe€business€name€and€address€of€any€furnisher€of€informationÐ  d Ðcontacted€and€the€telephone€number€of€such€furnisher,€if€reasonablyÐ ú J Ðavailable,€or€of€any€furnisher€of€information€that€contacted€theÐ à 0 Ðconsumer€reporting€agency,€in€connection€with€the€reinsertion€of€suchÐ Æ   Ðinformation;€andЬ ü ä (#ä (# ÐÌ€€€€à Ü àà0  àà04(#(#àà0` 4(#4(#àà0Œ ` (#` (#à(III)€à0ä Œ (#Œ (#àa€notice€that€the€consumer€has€the€right€to€add€a€statement€to€theÐ xÈ  Ðconsumer's€file€disputing€the€accuracy€or€completeness€of€the€disputedÐ ^®  Ðinformation.ÐD” ä (#ä (# ÐÌà Ü àà  àà 4 àÔ_Ô(C)Ô_Ôà0 Œ àòòProcedures€to€prevent€reappearance.óó€€A€consumer€reporting€agency€shallÐ ` Ðmaintain€reasonable€procedures€designed€to€prevent€the€reappearance€in€aÐ öF Ðconsumer's€file,€and€in€consumer€reports€on€the€consumer,€of€information€thatÐ Ü, Ðis€deleted€pursuant€to€this€paragraph€(other€than€information€that€is€reinsertedÐ Â Ðin€accordance€with€subparagraph€(B)(i)).ШøŒ (#Œ (# ÐÌà Ü àà  àà 4 à(D)à0 Œ àòòAutomated€reinvestigation€systemóó.€€Any€consumer€reporting€agency€thatÐ tÄ Ðcompiles€and€maintains€files€on€consumers€on€a€nationwide€basis€shall€Ð Zª Ðimplement€an€automated€system€through€which€furnishers€of€information€toÐ @ Ðthat€consumer€reporting€agency€may€report€the€results€of€a€reinvestigation€thatÐ &v Ðfinds€incomplete€or€inaccurate€information€in€a€consumer's€file€to€other€suchÐ  \ Ðconsumer€reporting€agencies.ÐòBŒ (#Œ (# ÐÌà0 Ü àà  à(6)€€Notice€of€Results€of€Reinvestigation€€Ð¾Ü(#Ü(# ÐÌà Ü à€€€€à0  àà04(#(#à(A)à0Œ 4(#4(#àòòIn€general.óó€€A€consumer€reporting€agency€shall€provide€written€notice€to€aÐ Š Ú Ðconsumer€of€the€results€of€a€reinvestigation€under€this€subsection€not€laterÐ p!À  Ðthan€5€business€days€after€the€completion€of€the€reinvestigation,€by€mail€or,€ifÐ V"¦! Ðauthorized€by€the€consumer€for€that€purpose,€by€other€means€available€to€theÐ <#Œ" Ðagency.Ð"$r#Œ (#Œ (# ÐÌ€€€à0 Ü àà0Ü(#Ü(#àà04(#(#à(B)à0Œ 4(#4(#àòòContents.óó€€As€part€of,€or€in€addition€to,€the€notice€under€subparagraph€(A),€aÐ î%>!% Ðconsumer€reporting€agency€shall€provide€to€a€consumer€in€writing€before€theÐ Ô&$"& Ðexpiration€of€the€5-day€period€referred€to€in€subparagraph€(A)€€Ðº' #'Œ (#Œ (# ÐÌ€€€€à Ü àà  àà0 4 àà0` 4(#4(#àà0Œ ` (#` (#à(i)€€€à0ä Œ (#Œ (#àa€statement€that€the€reinvestigation€is€completed;І)Ö$)ä (#ä (# ÐÌ€€€€à Ü àà  à€€€€€€à0 ` àà0Œ ` (#` (#à(ii)€€à0ä Œ (#Œ (#àa€consumer€report€that€is€based€upon€the€consumer's€file€as€that€file€isÐ R+¢&+ Ðrevised€as€a€result€of€the€reinvestigation;Ð8,ˆ',ä (#ä (# ÐÌ€€€€à Ü àà  àà0 4 àà0` 4(#4(#àà0Œ ` (#` (#à(iii)à0ä Œ (#Œ (#àa€notice€that,€if€requested€by€the€consumer,€a€description€of€theÐ .T). Ðprocedure€used€to€determine€the€accuracy€and€completeness€of€theÐ ê.:*/ Ðinformation€shall€be€provided€to€the€consumer€by€the€agency,Ð Ð/ +0 Ðincluding€the€business€name€and€address€of€any€furnisher€ofÐ ¶0,1 Ðinformation€contacted€in€connection€with€such€information€and€theÐ ° Ðtelephone€number€of€such€furnisher,€if€reasonably€available;Жæä (#ä (# ÐÌ€€€€à Ü àà  àà0 4 àà0` 4(#4(#àà0Œ ` (#` (#à(iv)à0ä Œ (#Œ (#àa€notice€that€the€consumer€has€the€right€to€add€a€statement€to€theÐ b² Ðconsumer's€file€disputing€the€accuracy€or€completeness€of€theÐ H˜ Ðinformation;€andÐ. ~ä (#ä (# ÐÌ€€€à0 Ü àà0Ü(#Ü(#àà04(#(#àà0` 4(#4(#àà0Œ ` (#` (#à(v)à0¸ Œ (#Œ (#àà0ä ¸ (#¸ (#àa€notice€that€the€consumer€has€the€right€to€request€under€subsection€(d)Ð ú J Ðthat€the€consumer€reporting€agency€furnish€notifications€under€thatÐ à 0 Ðsubsection.ÐÆ  ä (#ä (# ÐÌà Ü àà  à(7)à0 4 àòòDescription€of€reinvestigation€procedure.óó€€A€consumer€reporting€agency€shall€€Ð ’â  Ðprovide€to€a€consumer€a€description€referred€to€in€paragraph€(6)(B)(iii)€by€not€laterÐ xÈ  Ðthan€15€days€after€receiving€a€request€from€the€consumer€for€that€description.Ð^® 4(#4(# ÐÌ€€€€à Ü àà  à(8)à0 4 àòòExpedited€dispute€resolution.óó€€If€a€dispute€regarding€an€item€of€information€in€a€€conƒÐ *z  Ðsumer's€file€at€a€consumer€reporting€agency€is€resolved€in€accordance€with€paragraphÐ ` Ð(5)(A)€by€the€deletion€of€the€disputed€information€by€not€later€than€3€business€daysÐ öF Ðafter€the€date€on€which€the€agency€receives€notice€of€the€dispute€from€the€consumerÐ Ü, Ðin€accordance€with€paragraph€(1)(A),€then€the€agency€shall€not€be€required€to€complyÐ Â Ðwith€paragraphs€(2),€(6),€and€(7)€with€respect€to€that€dispute€if€the€agency€€Ð¨ø4(#4(# ÐÌ€€€€à Ü à€€€€à0  àà04(#(#à(A)€à0Œ 4(#4(#àprovides€prompt€notice€of€the€deletion€to€the€consumer€by€telephone;ÐtÄŒ (#Œ (# ÐÌà Ü à€€€€à  à€€€€€€(B)à0 Œ àincludes€in€that€notice,€or€in€a€written€notice€that€accompanies€a€confirma‚tionÐ @ Ðand€consumer€report€provided€in€accordance€with€subparagraph€Ô_Ô(C)Ô_Ô,€a€stateƒÐ &v Ðment€of€the€consumer's€right€to€request€under€subsection€(d)€that€the€agencyÐ  \ Ðfurnish€notifications€under€that€subsection;€andÐòBŒ (#Œ (# ÐÌ€€€€à Ü à€€€€€à0  àà04(#(#àÔ_Ô(C)Ô_Ô€€à0Œ 4(#4(#àprovides€written€confirmation€of€the€deletion€and€a€copy€of€a€consumer€reportÐ ¾ Ðon€the€consumer€that€is€based€on€the€consumer's€file€after€the€deletion,€notÐ ¤ô Ðlater€than€5€business€days€after€making€the€deletion.Њ ÚŒ (#Œ (# ÐÌ€à Ü à(b)à0  àòòStatement€of€dispute.óó€If€the€reinvestigation€does€not€resolve€the€dispute,€the€consumerÐ V"¦! Ðmay€file€a€brief€statement€setting€forth€the€nature€of€the€dispute.€The€consumer€reportingÐ <#Œ" Ðagency€may€limit€such€statements€to€not€more€than€one€hundred€words€if€it€provides€theÐ "$r# Ðconsumer€with€assistance€in€writing€a€clear€summary€of€the€dispute.Ð%X $(#(# ÐÌà Ü àÔ_Ô(c)Ô_Ôà0  àòòNotification€of€consumer€dispute€in€subsequent€consumer€reports.óó€Whenever€a€statementÐ Ô&$"& Ðof€a€dispute€is€filed,€unless€there€is€reasonable€grounds€to€believe€that€it€is€frivolous€orÐ º' #' Ðirrelevant,€the€consumer€reporting€agency€shall,€in€any€subsequent€report€containing€theÐ  (ð#( Ðinformation€in€question,€clearly€note€that€it€is€disputed€by€the€consumer€and€provideÐ †)Ö$) Ðeither€the€consumer's€statement€or€a€clear€and€accurate€codification€or€summary€thereof.€Ðl*¼%*(#(# ÐÌà Ü à(d)à0  àòòNotification€of€deletion€of€disputed€informationóó.€Following€any€deletion€of€informationÐ 8,ˆ', Ðwhich€is€found€to€be€inaccurate€or€whose€accuracy€can€no€longer€be€verified€or€anyÐ -n(- Ðnotation€as€to€disputed€information,€the€consumer€reporting€agency€shall,€at€the€request€ofÐ .T). Ðthe€consumer,€furnish€notification€that€the€item€has€been€deleted€or€the€statement,Ð ê.:*/ Ðcodification€or€summary€pursuant€to€subsection€(b)€or€Ô_Ô(c)Ô_Ô€of€this€section€to€any€personÐ Ð/ +0 Ðspecifically€designated€by€the€consumer€who€has€within€two€years€prior€thereto€receivedÐ ¶0,1 ÐÑ<ïc2Ñâ <âÑÇÇÑâ <âÑ  Ña€consumer€report€for€employment€purposes,€or€within€six€months€prior€thereto€receivedÐ ° Ða€consumer€report€for€any€other€purpose,€which€contained€the€deleted€or€disputedÐ –æ Ðinformation.€Ð|Ì(#(# ÐÌà Ü à(e)€Treatment€of€Complaints€and€Report€to€CongressÐ H˜ ÐÌà Ü àà  à(1)òò€In€generalóó.€€The€Commission€shallÔ_Ô--Ô_ÔÐ  d ÐÌà0 Ü àà  àà 4 à(A)à0Œ Ü(#Ü(#àcompile€all€complaints€that€it€receives€that€a€file€of€a€consumer€that€is€mainƒÐ à 0 Ðtained€by€a€consumer€reporting€agency€described€in€section€603(p)€containsÐ Æ   Ðincomplete€or€inaccurate€information,€with€respect€to€which,€the€consumerÐ ¬ ü  Ðappears€to€have€disputed€the€completeness€or€accuracy€with€the€consumerÐ ’â  Ðreporting€agency€or€otherwise€utilized€the€procedures€provided€by€subsectionÐ xÈ  Ð(a);€andÐ^® Œ (#Œ (# ÐÌà Ü àà  àà 4 à(B)à0 Œ àtransmit€each€such€complaint€to€each€consumer€reporting€agency€involved.Ð*z Œ (#Œ (# ÐÌà0 Ü àà  à(2)à04Ü(#Ü(#àòòExclusion.€óóComplaints€received€or€obtained€by€the€Commission€pursuant€to€itsÐ öF Ðinvestigative€authority€under€the€Federal€Trade€Commission€Act€shall€not€be€subjectÐ Ü, Ðto€paragraph€(1).ÐÂ4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#à(3)à04(#(#àòòAgency€responsibilities.€€óóEach€consumer€reporting€agency€described€in€section€603(p)Ð ŽÞ Ðthat€receives€a€complaint€transmitted€by€the€Commission€pursuant€to€paragraph€(1)Ð tÄ Ðshall€ð!ð€ÐZª4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(A)à0Œ 4(#4(#àreview€each€such€complaint€to€determine€whether€all€legal€obligationsÐ &v Ðimposed€on€the€consumer€reporting€agency€under€this€title€(including€anyÐ  \ Ðobligation€imposed€by€an€applicable€court€or€administrative€order)€have€beenÐ òB Ðmet€with€respect€to€the€subject€matter€of€the€complaint;ÐØ(Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(B)à0Œ 4(#4(#àprovide€reports€on€a€regular€basis€to€the€Commission€regarding€theÐ ¤ô Ðdeterminations€of€and€actions€taken€by€the€consumer€reporting€agency,€if€any,Ð Š Ú Ðin€connection€with€its€review€of€such€complaints;€andÐp!À Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àÔ_Ô(C)Ô_Ô€à0Œ 4(#4(#àmaintain,€for€a€reasonable€time€period,€records€regarding€the€disposition€ofÐ <#Œ" Ðeach€such€complaint€that€is€sufficient€to€demonstrate€compliance€with€thisÐ "$r# Ðsubsection.Ð%X $Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#à(4)à04(#(#àòòRulemaking€authority.€€óóThe€Commission€may€prescribe€regulations,€as€appropriate€toÐ Ô&$"& Ðimplement€this€subsection.к' #'4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#à(5)à04(#(#àòòAnnual€report.€€óóThe€Commission€shall€submit€to€the€Committee€on€Banking,Ð †)Ö$) ÐHousing,€and€Urban€Affairs€of€the€Senate€and€the€Committee€on€Financial€Services€ofÐ l*¼%* Ðthe€House€of€Representatives€an€annual€report€regarding€information€gathered€by€theÐ R+¢&+ ÐCommission€under€this€subsection.Ð8,ˆ',4(#4(# Ðà Ü àà  àà 4 àÌà Ü à(f)€Reinvestigation€Requirement€Applicable€to€ResellersÐ .T). ÐÌà0 Ü àà0Ü(#Ü(#à(1)à04(#(#àòòExemption€from€general€reinvestigation€requirement.€óó€Except€as€provided€in€paraƒÐ Ð/ +0 Ðgraph€(2),€a€reseller€shall€be€exempt€from€the€requirements€of€this€section.ж0,14(#4(# ÐÑ6}N3Ñâ 6âÑ>ÇÑѰ°Ñâ 6âÑ  ÑÌà0 Ü àà0Ü(#Ü(#à(2)à04(#(#àòòAction€required€upon€receiving€notice€of€a€dispute.€€óóIf€a€reseller€receives€a€noticeÐ –æ Ðfrom€a€consumer€of€a€dispute€concerning€the€completeness€or€accuracy€of€any€item€ofÐ |Ì Ðinformation€contained€in€a€consumer€report€on€such€consumer€produced€by€theÐ b² Ðreseller,€the€reseller€shall,€within€5€business€days€of€receiving€the€notice,€and€free€ofÐ H˜ Ðcharge€ð!ðÐ. ~4(#4(# Ðà Ü àà  àà 4 àà ` àÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(A)à0Œ 4(#4(#àdetermine€whether€the€item€of€information€is€incomplete€or€inaccurate€as€aÐ ú J Ðresult€of€an€act€or€omission€of€the€reseller;€andÐà 0Œ (#Œ (# ÐÌà Ü àà  àà 4 à(B)€€€€à0 Œ àif€(i)à0ä Œ (#Œ (#àthe€reseller€determines€that€the€item€of€information€is€incomplete€orÐ ¬ ü  Ðinaccurate€as€a€result€of€an€act€or€omission€of€the€reseller,€not€laterÐ ’â  Ðthan€20€days€after€receiving€the€notice,€correct€the€information€in€theÐ xÈ  Ðconsumer€report€or€delete€it;€orÐ^® ä (#ä (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà0` 4(#4(#àà0Œ ` (#` (#à(ii)à0¸ Œ (#Œ (#àà0ä ¸ (#¸ (#àif€the€reseller€determines€that€the€item€of€information€is€not€incompleteÐ *z  Ðor€inaccurate€as€a€result€of€an€act€or€omission€of€the€reseller,€conveyÐ ` Ðthe€notice€of€the€dispute,€together€with€all€relevant€informationÐ öF Ðprovided€by€the€consumer,€to€each€consumer€reporting€agency€thatÐ Ü, Ðprovided€the€reseller€with€the€information€that€is€the€subject€of€theÐ Â Ðdispute,€using€an€address€or€a€notification€mechanism€specified€by€theÐ ¨ø Ðconsumer€reporting€agency€for€such€notices.ÐŽÞä (#ä (# ÐÌà0 Ü àà  à(3)à04Ü(#Ü(#àòòResponsibility€of€consumer€reporting€agency€to€notify€consumer€through€reseller.€Ð Zª ÐóóUpon€the€completion€of€a€reinvestigation€under€this€section€of€a€dispute€concerningÐ @ Ðthe€complete‚ness€or€accuracy€of€any€information€in€the€file€of€a€consumer€by€aÐ &v Ðconsumer€reporting€agency€that€received€notice€of€the€dispute€from€a€reseller€underÐ  \ Ðparagraph€(2)--ÐòB4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#àà 4 à(A)à0Œ (#(#àthe€notice€by€the€consumer€reporting€agency€under€paragraph€(6),€(7),€or€(8)Ð ¾ Ðof€subsection€(a)€shall€be€provided€to€the€reseller€in€lieu€of€the€consumer;€andФôŒ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà 4 à(B)€à0Œ (#(#àthe€reseller€shall€immediately€reconvey€such€notice€to€the€consumer,€includingÐ p!À  Ðany€notice€of€a€deletion€by€telephone€in€the€manner€required€under€paragraphÐ V"¦! Ð(8)(A).Ð<#Œ"Œ (#Œ (# Ðà Ü àà  àà 4 àÌà0 Ü àà  à(4)à04Ü(#Ü(#àòòReseller€reinvestigationsóó.€€No€provision€of€this€subsection€shall€be€construed€as€proƒÐ %X $ Ðhibiting€a€reseller€from€conducting€a€reinvestigation€of€a€consumer€dispute€directly.Ðî%>!%4(#4(# Ðà Ü àà  àà 4 àà ` àà Œ àà ¸ àà ä àà  àà < àà h àà ” àà À àà ì àà  àà D àà p àà œ àÌÒX°Òò òðð€612.€€Charges€for€certain€disclosures€ó ó[15€U.S.C.€ðð1681j]ò òà œ àà È àà ô àà€00h€%àòòSee€also€16€CFR€Part€610ˆÐ º' #' Ðóóó óà€ÆÆc€%àòòò ò69€Fed.€Reg.€35467€(06/24/04)ˆÐ  (ð#( Ðó óóóà Ü à(a)€Free€Annual€Disclosure€à€€%€%€€%àˆÐ †)Ö$) ÐÌà Ü àà  à(1)€Nationwide€Consumer€Reporting€AgenciesÐ R+¢&+ ÐÌÒ°XÒà0 Ü àà0Ü(#Ü(#àà04(#(#à(A)à0Œ 4(#4(#àòòIn€general.€óó€All€consumer€reporting€agencies€described€in€subsections€(p)€andÐ -n(- Ð(w)€of€section€603€shall€make€all€disclosures€pursuant€to€section€609€onceÐ .T). Ðduring€any€12-month€period€upon€request€of€the€consumer€and€without€chargeÐ ê.:*/ Ðto€the€consumer.ÐÐ/ +0Œ (#Œ (# ÐÑC!„4Ñâ CâѶ>ÑѰ°Ñâ CâÑ  ÑÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(B)à0Œ 4(#4(#àòòCentralized€source.€óó€Subparagraph€(A)€shall€apply€with€respect€to€a€consumerÐ –æ Ðreporting€agency€described€in€section€603(p)€only€if€the€request€from€theÐ |Ì Ðconsumer€is€made€using€the€centralized€source€established€for€such€purpose€inÐ b² Ðaccordance€with€section€211Ô_Ô(c)Ô_Ô€of€the€Fair€and€Accurate€Credit€TransactionsÐ H˜ ÐAct€of€2003.Ð. ~Œ (#Œ (# ÐÌà Ü àà  àà 4 àÔ_Ô(C)Ô_Ô€à0 Œ àNationwide€Specialty€Consumer€Reporting€AgencyÐú JŒ (#Œ (# ÐÒî°ÒÌà0 Ü àà0Üê$Üê$àà04ê$ê$àà0` 4ê$4ê$à(i)à0Œ ` ê$` ê$àòòà0¸ Œ ê$Œ ê$àIn€general.óó€€The€Commission€shall€prescribe€regulations€applicable€to€eachÐ Æ   Ðconsumer€reporting€agency€described€in€section€603(w)€to€require€the€estabƒÐ ¬ ü  Ðlishment€of€a€streamlined€process€for€consumers€to€request€consumer€re‚portsÐ ’â  Ðunder€subparagraph€(A),€which€shall€include,€at€a€minimum,€the€establish‚mentÐ xÈ  Ðby€each€such€agency€of€a€toll-free€telephone€number€for€such€requests.Ð^® ¸ ê$¸ ê$ ÐÌÒ°îÒà0 Ü àà0Ü(#Ü(#àà04(#(#àà0` 4(#4(#à(ii)à0Œ ` (#` (#àòòà0¸ Œ (#Œ (#àConsiderations.óó€€In€prescribing€regulations€under€clause€(i),€theÐ *z  ÐCommission€shall€considerð!ðÐ`¸ (#¸ (# ÐÌà0 Ü àà  àà 4 àà ` àà Œ à(I)à0¸ Ü(#Ü(#àà0ä ¸ (#¸ (#àthe€significant€demands€that€may€be€placed€on€consumer€reportingÐ Ü, Ðagencies€in€providing€such€consumer€reports;ÐÂä (#ä (# Ðà Ü àà  àà 4 àà ` àà Œ àà ¸ àà ä àà  àà < àà h àÌà0 Ü àà  àà 4 àà ` à€€€€€(II)à0¸ Ü(#Ü(#àà0ä ¸ (#¸ (#àappropriate€means€to€ensure€that€consumer€reporting€agencies€can€satƒÐ ŽÞ Ðisfactorily€meet€those€demands,€including€the€efficacy€of€a€system€ofÐ tÄ Ðstaggering€the€availability€to€consumers€of€such€consumer€reports;€andÐZªä (#ä (# ÐÌà0 Ü àà  àà 4 àà ` à€€€(III)à0¸ Ü(#Ü(#àà0ä ¸ (#¸ (#àthe€ease€by€which€consumers€should€be€able€to€contact€consumerÐ &v Ðreporting€agencies€with€respect€to€access€to€such€consumer€reports.Ð \ä (#ä (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà ` à(iii)à0¸ 4(#4(#àòòDate€of€issuance.€€óóThe€Commission€shall€issue€the€regulations€required€byÐ Ø( Ðthis€subparagraph€in€final€form€not€later€than€6€months€after€the€date€ofÐ ¾ Ðenactment€of€the€Fair€and€Accurate€Credit€Transactions€Act€of€2003.Фô¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà0` 4(#4(#à(iv)€òòà0¸ ` (#` (#àConsideration€of€ability€to€comply.€óó€The€regulations€of€the€CommissionÐ p!À  Ðunder€this€subparagraph€shall€establish€an€effective€date€by€which€eachÐ V"¦! Ðnationwide€specialty€consumer€reporting€agency€(as€defined€in€sectionÐ <#Œ" Ð603(w))€shall€be€required€to€comply€with€subsection€(a),€which€effectiveÐ "$r# Ðdate--Ð%X $¸ (#¸ (# Ðà Ü àà  àà 4 àà ` àà Œ àà ¸ àà ä àà  àà < àà h àà ” àÌà0 Ü àà  àà 4 àà0` Ü(#Ü(#àà Œ à(I)à0¸ ` (#` (#àà0ä ¸ (#¸ (#àshall€be€established€after€consideration€of€the€ability€of€eachÐ Ô&$"& Ðnationwide€specialty€consumer€reporting€agency€to€comply€withÐ º' #' Ðsubsection€(a);€andР(ð#(ä (#ä (# ÐÌà0 Ü àà  àà 4 àà ` à€€€€€(II)à0¸ Ü(#Ü(#àà0ä ¸ (#¸ (#àshall€be€not€later€than€6€months€after€the€date€on€which€suchÐ l*¼%* Ðregulations€are€issued€in€final€form€(or€such€additional€period€not€toÐ R+¢&+ Ðexceed€3€months,€as€the€Commission€determines€appropriate).Ð8,ˆ',ä (#ä (# ÐÌà0 Ü àà0Ü(#Ü(#à(2)à04(#(#àòòTiming.€€óóA€consumer€reporting€agency€shall€provide€a€consumer€report€underÐ .T). Ðparagraph€(1)€not€later€than€15€days€after€the€date€on€which€the€request€is€receivedÐ ê.:*/ Ðunder€paragraph€(1).ÐÐ/ +04(#4(# ÐÑ@_œ5Ñâ @âÑǶÑѰ°ÑÑÑÑ  Ñâ @âÑ  ÑÌà0 Ü àà0Ü(#Ü(#à(3)à04(#(#àòòReinvestigations.óó€€Notwithstanding€the€time€periods€specified€in€section€611(a)(1),€aÐ –æ Ðreinvestigation€under€that€section€by€a€consumer€reporting€agency€upon€a€request€of€aÐ |Ì Ðconsumer€that€is€made€after€receiving€a€consumer€report€under€this€subsection€shallÐ b² Ðbe€completed€not€later€than€45€days€after€the€date€on€which€the€request€is€received.ÐH˜4(#4(# ÐÌà0 Ü à€€€€€(4)à04Ü(#Ü(#àòòException€for€first€12€months€of€operation.€€óóThis€subsection€shall€not€apply€to€aÐ  d Ðconsumer€reporting€agency€that€has€not€been€furnishing€consumer€reports€to€thirdÐ ú J Ðparties€on€a€continuing€basis€during€the€12-month€period€preceding€a€request€underÐ à 0 Ðparagraph€(1),€with€respect€to€consumers€residing€nationwide.ÐÆ  4(#4(# Ðò òÌó óà Ü à(b)à0  àòòFree€disclosure€after€adverse€notice€to€consumer.€óó€Each€consumer€reporting€agency€thatÐ ’â  Ðmaintains€a€file€on€a€consumer€shall€make€all€disclosures€pursuant€to€section€609Ð xÈ  Ð[ðð1681g]€without€charge€to€the€consumer€if,€not€later€than€60€days€after€receipt€by€suchÐ ^®  Ðconsumer€of€a€notification€pursuant€to€section€615€[ðð1681m],€or€of€a€notification€from€aÐ D”  Ðdebt€collection€agency€affiliated€with€that€consumer€reporting€agency€stating€that€theÐ *z  Ðconsumer's€credit€rating€may€be€or€has€been€adversely€affected,€the€consumer€makes€aÐ ` Ðrequest€under€section€609€[ðð1681g].ÐöF(#(# ÐÌ€€€€à Ü àÔ_Ô(c)Ô_Ôà0  àòòFree€disclosure€under€certain€other€circumstances.€€óóUpon€the€request€of€the€consumer,€aÐ Â Ðconsumer€reporting€agency€shall€make€all€disclosures€pursuant€to€section€609€[ðð1681g]Ð ¨ø Ðonce€during€any€12-month€period€without€charge€to€that€consumer€if€the€consumerÐ ŽÞ Ðcertifies€in€writing€that€the€consumer€€ÐtÄ(#(# ÐÌà Ü àà  à(1)à0 4 àis€unemployed€and€intends€to€apply€for€employment€in€the€60-day€period€beginningÐ @ Ðon€the€date€on€which€the€certification€is€made;Ð&v4(#4(# ÐÌ€€€€à Ü àà  à(2)à0 4 àis€a€recipient€of€public€welfare€assistance;€orÐòB4(#4(# ÐÌ€€€€à Ü àà  à(3)à0 4 àhas€reason€to€believe€that€the€file€on€the€consumer€at€the€agency€contains€inaccurateÐ ¾ Ðinformation€due€to€fraud.Фô4(#4(# ÐÌò òó óà0 Ü à(d)à0Ü(#Ü(#àòòFree€disclosures€in€connection€with€fraud€alerts.€óó€Upon€the€request€of€a€consumer,€a€conƒÐ p!À  Ðsumer€reporting€agency€described€in€section€603(p)€shall€make€all€disclosures€pursuant€toÐ V"¦! Ðsection€609€without€charge€to€the€consumer,€as€provided€in€subsections€(a)(2)€and€(b)(2)Ð <#Œ" Ðof€section€605A,€as€applicable.Ð"$r#(#(# ÐÌ€à Ü à(e)à0  àòòOther€charges€prohibited.€óó€A€consumer€reporting€agency€shall€not€impose€any€charge€onÐ î%>!% Ða€consumer€for€providing€any€notification€required€by€this€title€or€making€any€disclosureÐ Ô&$"& Ðrequired€by€this€title,€except€as€authorized€by€subsection€(f).к' #'(#(# ÐÔ‡,-ï ,X,¦ÔÌÔ#†,¦X ,,-ïÀ#Ôò òó óà Ü à(f)€Reasonable€Charges€Allowed€for€Certain€Disclosures€€Ð )c$) ÐÌà0 Ü àà  à(1)à04Ü(#Ü(#àòòIn€general.€óó€In€the€case€of€a€request€from€a€consumer€other€than€a€request€that€isÐ ß*/&+ Ðcovered€by€any€of€subsections€(a)€through€(d),€a€consumer€reporting€agency€mayÐ Å+', Ðimpose€a€reasonable€charge€on€a€consumer€€Ð«,û'-4(#4(# ÐÌ€€€€à Ü à€€€€à0  àà04(#(#à(A)à0Œ 4(#4(#àfor€making€a€disclosure€to€the€consumer€pursuant€to€section€609€[ðð1681g],Ð w.Ç)/ Ðwhich€charge€€Ð]/­*0Œ (#Œ (# ÐÐ C0“+1 ÐÑgç¢6Ñâ gâÑÑÑ  ÑÑÇÇÑâ gâÑ  Ñ€€à0 Ü àà0Ü(#Ü(#àà04(#(#àà0` 4(#4(#à(i)€€€à0¸ ` (#` (#àshall€not€exceed€$8;׃§×Ý ƒÿÿÝòòÚ  Ú6Ú  ÚóóÝ  Ý×  ×€andа¸ (#¸ (# ÐÌ€€€€à Ü àà  àà 4 àà0 ` à(ii)€€à0¸ ` (#` (#àshall€be€indicated€to€the€consumer€before€making€the€disclosure;€andÐ|̸ (#¸ (# ÐÌ€à0 Ü àà0Ü(#Ü(#àà04(#(#à(B)à0Œ 4(#4(#àfor€furnishing,€pursuant€to€611(d)€[ðð1681i],€following€a€reinvestigation€underÐ H˜ Ðsection€611(a)€[ðð1681i],€a€statement,€codification,€or€summary€to€a€personÐ . ~ Ðdesignated€by€the€consumer€under€that€section€after€the€30-day€periodÐ  d Ðbeginning€on€the€date€of€notification€of€the€consumer€under€paragraph€(6)€orÐ ú J Ð(8)€of€section€611(a)€[ðð1681i]€with€respect€to€the€reinvestigation,€whichÐ à 0 Ðcharge€€ÐÆ  Œ (#Œ (# ÐÌ€€€€à Ü àà  àà0 4 àà0` 4(#4(#à(i)à0Œ ` (#` (#àà0¸ Œ (#Œ (#àshall€not€exceed€the€charge€that€the€agency€would€impose€on€each€€Ð ’â  Ðdesignated€recipient€for€a€consumer€report;€andÐxÈ ¸ (#¸ (# ÐÌ€€€€à Ü àà  àà0 4 àà0` 4(#4(#à(ii)€€à0¸ ` (#` (#àshall€be€indicated€to€the€consumer€before€furnishing€such€information.ÐD” ¸ (#¸ (# ÐÌà Ü àà  à(2)à0 4 àòòModification€of€amount.€€óóThe€Federal€Trade€Commission€shall€increase€the€amountÐ ` Ðreferred€to€in€paragraph€(1)(A)(i)€on€January€1€of€each€year,€based€proportionally€onÐ öF Ðchanges€in€€the€Consumer€Price€Index,€with€fractional€changes€rounded€to€the€nearestÐ Ü, Ðfifty€cents.à ä àÐÂ4(#4(# ÐÔ‡S,-ï ,X,¦ÔÔ‡SX¦X ,S,-ïÔÌà Ü à(g)€Prevention€of€Deceptive€Marketing€of€Credit€ReportsÐ ŽÞ ÐÌÒϰÒà Ü àà  à(1)€òòIn€general.óó€€Subject€to€rulemaking€pursuant€to€section€205(b)€of€the€Credit€CARD€Act€ofÐ Zª Ð2009,€any€advertisement€for€a€free€credit€report€in€any€medium€shall€prominently€disclose€in€suchÐ @ Ðadvertisement€that€free€credit€reports€are€available€under€Federal€law€at€ð ðÔ_ÔAnnualCreditReport.comÔ_ÔððÐ &v Ð(or€such€other€source€as€may€be€authorized€under€Federal€law).Ð  \ ÐÒ°ÏÒÌà Ü àà  à(2)€òòTelevision€and€radio€advertisement.óó€€In€the€case€of€an€advertisement€broadcast€byÐ Ø( Ðtelevision,€the€disclosures€required€under€paragraph€(1)€shall€be€included€in€the€audio€and€visualÐ ¾ Ðpart€of€such€advertisement.€In€the€case€of€an€advertisement€broadcast€by€televison€or€radio,€theÐ ¤ô Ðdisclosure€required€under€paragraph€(1)€shall€consist€only€of€the€following:€ð ðThis€is€not€the€freeÐ Š Ú Ðcredit€report€provided€for€by€Federal€law.ððððà À àÔ#†S,-ï ,XSX¦{›#ÔÔ#†,¦X ,S,-ï\›#Ôà ì àà  àà D àà p àà œ àà È àà ô àÐ p!À  ÐÌò òðð€613.€€Public€record€information€for€employment€purposesó ó€[15€U.S.C.€ðð1681k]ò ò€Ð <#Œ" ÐÌó óà Ü à(a)à0  àòòIn€generalóó.€A€consumer€reporting€agency€which€furnishes€a€consumer€report€for€employƒÐ %X $ Ðment€purposes€and€which€for€that€purpose€compiles€and€reports€items€of€information€onÐ î%>!% Ðconsumers€which€are€matters€of€public€record€and€are€likely€to€have€an€adverse€effectÐ Ô&$"& Ðupon€a€consumer's€ability€to€obtain€employment€shall€€€Ðº' #'(#(# ÐÌà Ü àà  à(1)à0 4 àat€the€time€such€public€record€information€is€reported€to€the€user€of€such€consumer€reƒÐ †)Ö$) Ðport,€notify€the€consumer€of€the€fact€that€public€record€information€is€being€reportedÐ l*¼%* Ðby€the€consumer€reporting€agency,€together€with€the€name€and€address€of€the€personÐ R+¢&+ Ðto€whom€such€information€is€being€reported;€orÐ8,ˆ',4(#4(# ÐÐ -n(- ÐÒe°Òà0 Ü àà  à(2)à04Üs#Üs#àmaintain€strict€procedures€designed€to€insure€that€whenever€public€record€informationÐ ° Ðwhich€is€likely€to€have€an€adverse€effect€on€a€consumer's€ability€to€obtain€employmentÐ –æ Ðis€reported€it€is€complete€and€up€to€date.€For€purposes€of€this€paragraph,€items€of€pubƒÐ |Ì Ðlic€record€relating€to€arrests,€indictments,€convictions,€suits,€tax€liens,€and€outstandingÐ b² Ðjudgments€shall€be€considered€up€to€date€if€the€current€public€record€status€of€the€Ô‡X¦XX,¦ÔitemÐ H˜ Ðat€the€time€of€the€report€is€reported.€€Ð. ~4s#4s# ÐÌÔ‡X¦XXX¦Ô€€€€€à0 Ü à(b)à0Üs#Üs#àòòExemption€for€national€security€investigationsóó.€€Subsection€(a)€does€not€apply€in€the€caseÐ ú J Ðof€an€agency€or€department€of€the€United€States€Government€that€seeks€to€obtain€and€use€aÐ à 0 Ðconsumer€report€for€€employment€purposes,€if€the€head€of€the€agency€or€department€makesÐ Æ   Ða€written€finding€as€prescribed€under€section€604(b)(4)(A).Ô#†X¦XXX¦—§#ÔÔ‡X¦XXX¦ÔЬ ü s#s# ÐÔ#†X¦XXX¦‹©#ÔÌò òðð€614.€€Restrictions€on€investigative€consumer€reportsó ó€[15€U.S.C.€ðð1681òòlóó]Ð xÈ  ÐÔ#†,¦XXX¦§#ÔÌà Ü àà  àWhenever€a€consumer€reporting€agency€prepares€an€investigative€consumer€report,€noÐ D”  Ðadverse€information€in€the€consumer€report€(other€than€information€which€is€a€matter€of€publicÐ *z  Ðrecord)€may€be€included€in€a€subsequent€consumer€report€unless€such€adverse€information€hasÐ ` Ðbeen€verified€in€the€process€of€making€such€subsequent€consumer€report,€or€the€adverseÐ öF Ðinformation€was€received€within€the€three-month€period€preceding€the€date€the€subsequent€reportÐ Ü, Ðis€furnished.€€Ð  ÐÌò òðð€615.€€Requirements€on€users€of€consumer€reportsó ó€[15€U.S.C.€ðð1681m]€€Ð ŽÞ Ѐ€Ð tÄ Ðà Ü à(a)òòà0  àDuties€of€users€taking€adverse€actions€on€the€basis€of€information€contained€in€consumerÐ Zª Ðreportsóó.€€If€any€person€takes€any€adverse€action€with€respect€to€any€consumer€that€is€basedÐ @ Ðin€whole€or€in€part€on€any€information€contained€in€a€consumer€report,€the€person€shall€€Ð&vs#s# ÐÌ€€€€à Ü àà  à(1)à0 4 àprovide€oral,€written,€or€electronic€notice€of€the€adverse€action€to€the€consumer;ÐòB4s#4s# ÐÌ€€€€à Ü àà  à(2)à0 4 àprovide€to€the€consumer€orally,€in€writing,€or€electronically€€Ð¾4s#4s# ÐÌ€€€€à Ü à€€€€à  àà0 4 à(A)à0Œ 4s#4s#àthe€name,€address,€and€telephone€number€of€the€consumer€reporting€agency€Ð Š Ú Ð(including€a€toll-free€telephone€number€established€by€the€agency€if€the€agencyÐ p!À  Ðcompiles€and€maintains€files€on€consumers€on€a€nationwide€basis)€thatÐ V"¦! Ðfurnished€the€report€to€the€person;€andÐ<#Œ"Œ s#Œ s# ÐÌ€€€€à Ü à€€€€€à  àà0 4 à(B)€€à0Œ 4s#4s#àa€statement€that€the€consumer€reporting€agency€did€not€make€the€decision€toÐ %X $ Ðtake€the€adverse€action€and€is€unable€to€provide€the€consumer€the€specificÐ î%>!% Ðreasons€why€the€adverse€action€was€taken;€andÐÔ&$"&Œ s#Œ s# ÐÌà Ü àà  à(3)€€provide€to€the€consumer€an€oral,€written,€or€electronic€notice€of€the€consumer's€right€€Ð  (ð#( ÐÌ€€€€à Ü à€€€€à0  àà04s#s#à(A)€à0Œ 4s#4s#àto€obtain,€under€section€612€[ðð1681j],€a€free€copy€of€a€consumer€report€on€theÐ l*¼%* Ðconsumer€from€the€consumer€reporting€agency€referred€to€in€paragraph€€(2),Ð R+¢&+ Ðwhich€notice€shall€include€an€indication€of€the€60-day€period€under€that€sectionÐ 8,ˆ', Ðfor€obtaining€such€a€copy;€andÐ-n(-Œ s#Œ s# ÐÌ€€€€à Ü à€€€€€à0  àà04s#s#à(B)€€à0Œ 4s#4s#àto€dispute,€under€section€611€[ðð1681i],€with€a€consumer€reporting€agency€theÐ ê.:*/ Ðaccuracy€or€completeness€of€any€information€in€a€consumer€report€furnished€byÐ Ð/ +0 Ðthe€agency.ж0,1Œ s#Œ s# ÐÑy/]8Ñâ yâÑаÑâ yâÑ  ÑÌ€à Ü à(b)à0  àAdverse€Action€Based€on€Information€Obtained€from€Third€Parties€Other€than€Con‚sumerÐ ¶æ ÐReporting€Agencies€€ÐœÌs#s# ÐÌÒeÒ€à0 Ü àà  à(1)à04ܾ#ܾ#àòòIn€general.óó€€Whenever€credit€for€personal,€family,€or€household€purposes€involv‚ing€aÐ h˜ Ðconsumer€is€denied€or€the€charge€for€such€credit€is€increased€either€wholly€or€partly€beƒÐ N~ Ðcause€of€information€obtained€from€a€person€other€than€a€consumer€reporting€agencyÐ 4d Ðbearing€upon€the€consumer's€credit€worthiness,€credit€standing,€credit€capacity,€characƒÐ  J Ðter,€general€reputation,€personal€characteristics,€or€mode€of€living,€the€user€of€such€inƒÐ  0 Ðformation€shall,€within€a€reasonable€period€of€time,€upon€the€consumer's€written€requestÐ æ   Ðfor€the€reasons€for€such€adverse€action€received€within€sixty€days€after€learning€of€suchÐ Ì ü  Ðadverse€action,€disclose€the€nature€of€the€information€to€the€consumer.€The€user€of€suchÐ ² â  Ðinformation€shall€clearly€and€accurately€disclose€to€the€consumer€his€right€to€make€suchÐ ˜ È  Ðwritten€request€at€the€time€such€adverse€action€is€communicated€to€the€consumer.Ð~® 4¾#4¾# ÐÌÒ°Òà Ü àà  à(2)à0 4 àDuties€of€Person€Taking€Certain€Actions€Based€on€Information€Provided€by€Affiliate€€ÐJz 4(#4(# ÐÌà Ü àà  à€à0 4 à(A)òòà0Œ 4(#4(#àDuties,€generally.óó€€If€a€person€takes€an€action€described€in€subparagraph€(B)Ð F Ðwith€respect€to€a€consumer,€based€in€whole€or€in€part€on€information€describedÐ ü, Ðin€subparagraph€Ô_Ô(C)Ô_Ô,€the€person€shall€€Ð⌠(#Œ (# ÐÌ€€€à Ü àà  àà 4 àà ` à(i)€€à0 ¸ ànotify€the€consumer€of€the€action,€including€a€statement€that€the€con‚sumerÐ ®Þ Ðmay€obtain€the€information€in€accordance€with€clause€(ii);€andДĸ (#¸ (# ÐÌ€€€€à Ü àà  àà 4 àà ` à(ii)à0 Œ àà0¸ Œ (#Œ (#àupon€a€written€request€from€the€consumer€received€within€60€days€after€Ð ` Ðtransmittal€of€the€notice€required€by€clause€(i),€disclose€to€the€consumerÐ Fv Ðthe€nature€of€the€information€upon€which€the€action€is€based€by€not€laterÐ ,\ Ðthan€30€days€after€receipt€of€the€request.ÐB¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(B)à0Œ 4(#4(#àòòAction€describedóó.€€An€action€referred€to€in€subparagraph€(A)€is€an€adverseÐ Þ Ðaction€described€in€section€603(k)(1)(A)€[ðð€1681a],€taken€in€connection€with€aÐ Äô Ðtransaction€initiated€by€the€consumer,€or€any€adverse€action€described€inÐ ªÚ Ðclause€(i)€or€(ii)€of€section€603(k)(1)(B)€[ðð1681a].ÐÀ Œ (#Œ (# Ðà0 Ü àÐ Ü(#Ü(# Ѐ€€€à0 Ü àà0Ü(#Ü(#àà04(#(#àÔ_Ô(C)Ô_Ô€€€à0Œ 4(#4(#àòòInformation€describedóó.€€Information€referred€to€in€subparagraph€(A)€€Ð\!Œ"Œ (#Œ (# ÐÌ€€à0 Ü àà0Ü(#Ü(#àà04(#(#àà0` 4(#4(#à(i)€€à0¸ ` (#` (#àexcept€as€provided€in€clause€(ii),€is€information€that€€Ð(#X $¸ (#¸ (# ÐÌ€€€€à Ü àà  àà 4 àà ` àà0 Œ à(I)à0¸ Œ (#Œ (#àà0ä ¸ (#¸ (#àis€furnished€to€the€person€taking€the€action€by€a€person€related€byÐ ô$$"& Ðcommon€ownership€or€affiliated€by€common€corporate€control€to€theÐ Ú% #' Ðperson€taking€the€action;€andÐÀ&ð#(ä (#ä (# ÐÌà Ü àà0  àà04(#(#àà0` 4(#4(#àà0Œ ` (#` (#à(II)à0ä Œ (#Œ (#àbears€on€the€credit€worthiness,€credit€standing,€credit€capacity,Ð Œ(¼%* Ðcharacter,€general€reputation,€personal€characteristics,€or€mode€ofÐ r)¢&+ Ðliving€of€the€consumer;€andÐX*ˆ',ä (#ä (# ÐÌà Ü àà  àà 4 àà ` à(ii)€€does€not€include€€Ð $,T). Ѐ€€€à Ü àÐ  -:*/ Ðà0 Ü àà  àà 4 àà ` àà Œ à(I)à0¸ Ü(#Ü(#àà0ä ¸ (#¸ (#àinformation€solely€as€to€transactions€or€experiences€between€theÐ ð- +0 Ðconsumer€and€the€person€furnishing€the€information;€orÐÖ.,1ä (#ä (# ÐÌ€€€€à Ü àà  àà 4 àà ` àà Œ à(II)€€à0 ä àinformation€in€a€consumer€report.Т0Ò-3ä (#ä (# ÐÑ~ŽO9Ñâ ~âÑÇÇÑѰÐÑâ ~âÑ  ÑÌà Ü àÔ_Ô(c)Ô_Ôà0  àòòReasonable€procedures€to€assure€compliance.óó€€No€person€shall€be€held€liable€for€anyÐ –æ Ðviolation€of€this€section€if€he€shows€by€a€preponderance€of€the€evidence€that€at€the€timeÐ |Ì Ðof€the€alleged€violation€he€maintained€reasonable€procedures€to€assure€compliance€withÐ b² Ðthe€provisions€of€this€section.ÐH˜(#(# Ѐ€Ð . ~ Ðà Ü à(d)à0  àDuties€of€Users€Making€Written€Credit€or€Insurance€Solicitations€on€the€Basis€ofÐ  d ÐInformation€Contained€in€Consumer€FilesÐú J(#(# ÐÌ€€€€à Ü àà  à(1)à0 4 àòòIn€general.óó€€Any€person€who€uses€a€consumer€report€on€any€consumer€in€connec‚tionÐ Æ   Ðwith€any€credit€or€insurance€transaction€that€is€not€initiated€by€the€consumer,€that€isÐ ¬ ü  Ðprovided€to€that€person€under€section€604(c)(1)(B)€[ðð1681b],€shall€provide€with€eachÐ ’â  Ðwritten€solicitation€made€to€the€consumer€regarding€the€transaction€a€clear€andÐ xÈ  Ðconspicuous€statement€that€€Ð^® 4(#4(# ÐÌ€€€€à Ü à€€€€à0  àà04(#(#à(A)€€à0Œ 4(#4(#àinformation€contained€in€the€consumer's€consumer€report€was€used€inÐ *z  Ðconnection€with€the€transaction;Ð`Œ (#Œ (# ÐÌ€€€à Ü à€€€€€à  àà0 4 à(B)€€à0Œ 4(#4(#àthe€consumer€received€the€offer€of€credit€or€insurance€because€the€consumerÐ Ü, Ðsatisfied€the€criteria€for€credit€worthiness€or€insurability€under€which€theÐ Â Ðconsumer€was€selected€for€the€offer;ШøŒ (#Œ (# ÐÌ€€€€à Ü à€€€€€à0  àà04(#(#àÔ_Ô(C)Ô_Ô€€à0Œ 4(#4(#àif€applicable,€the€credit€or€insurance€may€not€be€extended€if,€after€theÐ tÄ Ðconsumer€responds€to€the€offer,€the€consumer€does€not€meet€the€criteria€usedÐ Zª Ðto€select€the€consumer€for€the€offer€or€any€applicable€criteria€bearing€on€creditÐ @ Ðworthiness€or€insurability€or€does€not€furnish€any€required€collateral;Ð&vŒ (#Œ (# ÐÌ€€€€à Ü à€€€€à0  àà04(#(#à(D)€€à0Œ 4(#4(#àthe€consumer€has€a€right€to€prohibit€information€contained€in€the€consumer'sÐ òB Ðfile€with€any€consumer€reporting€agency€from€being€used€in€connection€withÐ Ø( Ðany€credit€or€insurance€transaction€that€is€not€initiated€by€the€consumer;€andоŒ (#Œ (# ÐÌ€€€€à Ü à€€€€€à0  àà04(#(#à(E)€à0Œ 4(#4(#àthe€consumer€may€exercise€the€right€referred€to€in€subparagraph€(D)€byÐ Š Ú Ðnotifying€a€notification€system€established€under€section€604(e)€[ðð1681b].Ðp!À Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#à(2)à04(#(#àòòDisclosure€of€address€and€telephone€number;€format.€óó€A€statement€under€paragraphÐ <#Œ" Ð(1)€shall€ð!ð€Ð"$r#4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(A)à0Œ 4(#4(#àinclude€the€address€and€toll-free€telephone€number€of€the€appropriateÐ î%>!% Ðnotification€system€established€under€section€604(e);€andÐÔ&$"&Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(B)€à0Œ 4(#4(#àbe€presented€in€such€format€and€in€such€type€size€and€manner€as€to€be€simpleÐ  (ð#( Ðand€easy€to€understand,€as€established€by€the€Commission,€by€rule,€inÐ †)Ö$) Ðconsultation€with€the€Federal€banking€agencies€and€the€National€CreditÐl*¼%*Œ (#Œ (# ÐÒX°Ò€à0 Ü àà0Ü€%Ü€%àà04€%€%àà0` 4€%4€%àà0Œ ` €%` €%àUnion€Administration.à À àà ì àà  àà D àà€00h€%Œ €%Œ €%àòòò òSee€also€16€CFR€Part€642ˆÐ R+¢&+ Ðà€ÍÍk€%à16€Ô‡X¦XX,¦ÔCFR€Part€698€App€AˆÐ 8,ˆ', Ðà€**d€%àÔ‡XX¦XXX¦Ô70€Fed.€Reg.€5022€(01/31/05)Ô#†X,-ï ,XXX¦3Ù#ÔÔ€X^§”\ ,X,-ïÔà @Ü àà0 @ àó óóóÔ#†^¦X\X^§”ŒÙ#Ôà€@€%€%€€%€%€%àÔ‡X¦XX^¦ÔˆÐ -n(- ÐÔ#†^¦XXX¦dÚ#ÔÒ°XÒà Ü à€€€à  à(3)à0 4 àòòMaintaining€criteria€on€fileóó.€€A€person€who€makes€an€offer€of€credit€or€insurance€to€aÐ .T). Ðconsumer€under€a€credit€or€insurance€transaction€described€in€paragraph€(1)€shallÐ ê.:*/ Ðmaintain€on€file€the€criteria€used€to€select€the€consumer€to€receive€the€offer,€allÐ Ð/ +0 Ðcriteria€bearing€on€credit€worthiness€or€insurability,€as€applicable,€that€are€the€basisÐ ¶0,1 ÐÑÄ—:Ñâ âÑH°ÑÑÇÇÑÑ$Ñâ âÑ  Ñfor€determining€whether€or€not€to€extend€credit€or€insurance€pursuant€to€the€offer,€andÐ H Ðany€requirement€for€the€furnishing€of€collateral€as€a€condition€of€the€extension€ofÐ .æ Ðcredit€or€insurance,€until€the€expiration€of€the€3-year€period€€beginning€on€the€date€onÐ Ì Ðwhich€the€offer€is€made€to€the€consumer.Ðú²4(#4(# ÐÌ€€€€à Ü àà  à(4)à0 4 àòòAuthority€of€federal€agencies€regarding€unfair€or€deceptive€acts€or€practices€notÐ Æ~ Ðaffected.€óó€This€section€is€not€intended€to€affect€the€authority€of€any€Federal€or€State€Ð ¬d Ðagency€to€enforce€a€prohibition€against€unfair€or€deceptive€acts€or€practices,€includingÐ ’ J Ðthe€making€of€false€or€misleading€statements€in€connection€with€a€credit€or€insuranceÐ x 0 Ðtransaction€that€is€not€initiated€by€the€consumer.Ð^  4(#4(# ÐÒX°Òòòò òà€00h€%àSee€also€16€CFR€Part€681ˆÐ D ü  Ðóóó óà Ü à(e)€Red€Flag€Guidelines€and€Regulations€Requiredà D àà p à€òòò òà€»»`€%à72€Fed.€Reg.€63772„74€(11/09/07)óóó óˆÐ * â  Ðà Ü àà  àà 4 àà ` àà Œ àà ¸ àà ä àà  àà < àà h àà ” àà À àà ì àà  àà D àà p àà œ àà È àòòò òà€»»`€%à74€Fed.€Reg.€22640„41€(05/14/09)ˆÐ È  Ðó óóóÔ‡4^§”\X^¦Ô€Ô#†^¦X\4^§”åâ#ÔÐ ö®  ÐÒ°XÒà0 Ü àà0Ü(#Ü(#à(1)à04(#(#àòòGuidelines.€óó€The€Federal€banking€agencies,€the€National€Credit€Union€AdministraƒÐ {3  Ðtion,€and€the€Commission€shall€jointly,€with€respect€to€the€entities€that€are€subject€toÐ a  Ðtheir€respective€enforcement€authority€under€section€621€ð!ðÐGÿ 4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(A)à0Œ 4(#4(#àestablish€and€maintain€guidelines€for€use€by€each€financial€institution€andÐ Ë Ðeach€creditor€regarding€identity€theft€with€respect€to€account€holders€at,€orÐ ù± Ðcustomers€of,€such€entities,€and€update€such€guidelines€as€often€as€necessary;Ðß—Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(B)à0Œ 4(#4(#àprescribe€regulations€requiring€each€financial€institution€and€each€creditor€toÐ «c Ðestablish€reasonable€policies€and€procedures€for€implementing€the€guidelinesÐ ‘I Ðestablished€pursuant€to€subparagraph€(A),€to€identify€possible€risks€to€accountÐ w/ Ðholders€or€customers€or€to€the€safety€and€soundness€of€the€institution€orÐ ] Ðcustomers;€andÐCûŒ (#Œ (# Ðà Ü àÌà0 Ü àà0Ü(#Ü(#àà04(#(#àÔ_Ô(C)Ô_Ôà0Œ 4(#4(#àprescribe€regulations€applicable€to€card€issuers€to€ensure€that,€if€a€card€issuerÐ Ç Ðreceives€notification€of€a€change€of€address€for€an€existing€account,€andÐ õ­ Ðwithin€a€short€period€of€time€(during€at€least€the€first€30€days€after€suchÐ Û“ Ðnotification€is€received)€receives€a€request€for€an€additional€or€replacementÐ Áy Ðcard€for€the€same€account,€the€card€issuer€may€not€issue€the€additional€orÐ §_  Ðreplacement€card,€unless€the€card€issuer,€in€accordance€with€reasonableÐ  E! Ðpolicies€and€proceduresð!ðÐs!+"Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà ` à(i)à0Œ 4(#4(#àà0¸ Œ (#Œ (#ànotifies€the€cardholder€of€the€request€at€the€former€address€of€theÐ ?#÷$ Ðcardholder€and€provides€to€the€cardholder€a€means€of€promptly€reportingÐ %$Ý % Ðincorrect€address€changes;Ð %Ã!&¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà0` 4(#4(#à(ii)€à0¸ ` (#` (#ànotifies€the€cardholder€of€the€request€by€such€other€means€of€communiƒÐ ×&#( Ðcation€as€the€cardholder€and€the€card€issuer€previously€agreed€to;€orн'u$)¸ (#¸ (# ÐÌÒ°Òà0 Ü àà0ܾ#ܾ#àà04¾#¾#àà0` 4¾#4¾#à(iii)€à0¸ ` ¾#` ¾#àuses€other€means€of€assessing€the€validity€of€the€change€of€address,€in€acƒÐ ‰)A&+ Ðcordance€with€reasonable€policies€and€procedures€established€by€the€card€isƒÐ o*'', Ðsuer€in€accordance€with€the€regulations€prescribed€under€subparagraph€(B).à @<# àà @<# àÐU+ (-¸ ¾#¸ ¾# ÐÒ°Òà Ü àÌà Ü àà  à(2)à0 4 àCriteriaÐ!-Ù)/4(#4(# Ðà Ü àà  àà 4 àà ` àà Œ àÌà0 Ü àà  àà 4 à(A)€òòà0Œ Ü(#Ü(#àIn€general.€€óóIn€developing€the€guidelines€required€by€paragraph€(1)(A),€theÐ í.¥+1 Ðagencies€described€in€paragraph€(1)€shall€identify€patterns,€practices,€andÐ Ó/‹,2 Ðspecific€forms€of€activity€that€indicate€the€possible€existence€of€identity€theft.й0q-3Œ (#Œ (# ÐÑèËi;Ñâ èâÑ/ÇÑѰHÑâ èâÑ  ÑÌà0 Ü àà  àà 4 à(B)à0Œ Ü(#Ü(#àòòInactive€accounts.€óó€In€developing€the€guidelines€required€by€paragraph€(1)(A),Ð –æ Ðthe€agencies€described€in€paragraph€(1)€shall€consider€including€reasonableÐ |Ì Ðguidelines€providing€that€when€a€transaction€occurs€with€respect€to€a€credit€orÐ b² Ðdeposit€account€that€has€been€inactive€for€more€than€2€years,€the€creditor€orÐ H˜ Ðfinancial€institution€shall€follow€reasonable€policies€and€procedures€thatÐ . ~ Ðprovide€for€notice€to€be€given€to€a€consumer€in€a€manner€reasonably€designedÐ  d Ðto€reduce€the€likelihood€of€identity€theft€with€respect€to€such€account.Ðú JŒ (#Œ (# ÐÌà0 Ü àà  à(3)à04Ü(#Ü(#àòòConsistency€with€verification€requirements.€€óóGuidelines€established€pursuant€toÐ Æ   Ðparagraph€(1)€shall€not€be€inconsistent€with€the€policies€and€procedures€requiredÐ ¬ ü  Ðunder€section€5318(l)€of€title€31,€United€States€Code.Ð’â 4(#4(# ÐÌà0 Ü à(f)€Prohibition€on€Sale€or€Transfer€of€Debt€Caused€by€Identity€TheftÐ^® Ü(#Ü(# ÐÌà0 Ü àà  à(1)à04Ü(#Ü(#àòòIn€general.óó€No€person€shall€sell,€transfer€for€consideration,€or€place€for€collection€aÐ *z  Ðdebt€that€such€person€has€been€notified€under€section€605B€has€resulted€from€identityÐ ` Ðtheft.ÐöF4(#4(# ÐÌà0 Ü àà  à(2)à04Ü(#Ü(#àòòApplicability.€€óóThe€prohibitions€of€this€subsection€shall€apply€to€all€persons€collectingÐ Â Ða€debt€described€in€paragraph€(1)€after€the€date€of€a€notification€under€paragraph€(1).Шø4(#4(# ÐÌà Ü àà0  à(3)€òòRule€of€construction.€óó€Nothing€in€this€subsection€shall€be€construed€to€prohibit--ÐtÄ(#(# ÐÌà0 Ü àà  àà 4 à(A)à0Œ Ü(#Ü(#àthe€repurchase€of€a€debt€in€any€case€in€which€the€assignee€of€the€debt€requiresÐ @ Ðsuch€repurchase€because€the€debt€has€resulted€from€identity€theft;Ð&vŒ (#Œ (# ÐÌà0 Ü àà  àà 4 à(B)€à0Œ Ü(#Ü(#àthe€securitization€of€a€debt€or€the€pledging€of€a€portfolio€of€debt€as€collateralÐ òB Ðin€connection€with€a€borrowing;€orÐØ(Œ (#Œ (# ÐÌà0 Ü àà  àà 4 àÔ_Ô(C)Ô_Ôà0Œ Ü(#Ü(#àthe€transfer€of€debt€as€a€result€of€a€merger,€acquisition,€purchase€andÐ ¤ô Ðassumption€transaction,€or€transfer€of€substantially€all€of€the€assets€of€anÐ Š Ú Ðentity.Ðp!À Œ (#Œ (# ÐÌà0 Ü à(g)à0Ü(#Ü(#àòòDebt€collector€communications€concerning€identity€theft.€óó€If€a€person€acting€as€a€debtÐ <#Œ" Ðcollector€(as€that€term€is€defined€in€title€VIII)€on€behalf€of€a€third€party€that€is€a€creditorÐ "$r# Ðor€other€user€of€a€consumer€report€is€notified€that€any€information€relating€to€a€debt€thatÐ %X $ Ðthe€person€is€attempting€to€collect€may€be€fraudulent€or€may€be€the€result€of€identityÐ î%>!% Ðtheft,€that€person€shall--ÐÔ&$"&(#(# ÐÌà0 Ü àà  à(1)à04Ü(#Ü(#ànotify€the€third€party€that€the€information€may€be€fraudulent€or€may€be€the€result€ofÐ  (ð#( Ðidentity€theft;€andà  àà < àà h àà ” àà À àà ì àà  àІ)Ö$)4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#à(2)à04(#(#àupon€request€of€the€consumer€to€whom€the€debt€purportedly€relates,€provide€to€theÐ R+¢&+ Ðconsumer€all€information€to€which€the€consumer€would€otherwise€be€entitled€if€theÐ 8,ˆ', Ðconsumer€were€not€a€victim€of€identity€theft,€but€wished€to€dispute€the€debt€underÐ -n(- Ðprovisions€of€law€applicable€to€that€person.Ð.T).4(#4(# ÐÐ ê.:*/ ÐÑé-q<Ñâ éâÑ@/ÑѰ°Ñâ éâÑ  Ñà Ü à(h)€Duties€of€Users€in€Certain€Credit€TransactionsÐ ° ÐÌà0 Ü àà0Ü(#Ü(#à(1)à04(#(#àòòIn€generalóó.€€Subject€to€rules€prescribed€as€provided€in€paragraph€(6),€if€any€personÐ |Ì Ðuses€a€consumer€report€in€connection€with€an€application€for,€or€a€grant,€extension,€orÐ b² Ðother€provision€of,€credit€on€material€terms€that€are€materially€less€favorable€than€theÐ H˜ Ðmost€favorable€terms€available€to€a€substantial€proportion€of€consumers€from€orÐ . ~ Ðthrough€that€person,€based€in€whole€or€in€part€on€a€consumer€report,€the€person€shallÐ  d Ðprovide€an€oral,€written,€or€electronic€notice€to€the€consumer€in€the€form€and€mannerÐ ú J Ðrequired€by€regulations€prescribed€in€accordance€with€this€subsection.Ðà 04(#4(# ÐÌà0 Ü àà0Ü(#Ü(#à(2)à04(#(#àòòTiming.€óó€The€notice€required€under€paragraph€(1)€may€be€provided€at€the€time€of€anÐ ¬ ü  Ðapplication€for,€or€a€grant,€extension,€or€other€provision€of,€credit€or€the€time€of€comƒÐ ’â  Ðmunication€of€an€approval€of€an€application€for,€or€grant,€extension,€or€other€proviƒÐ xÈ  Ðsion€of,€credit,€except€as€provided€in€the€regulations€prescribed€under€paragraph€(6).à @|" àà @|" àà @|" àà @|" àà @|" àÐ^® 4(#4(# Ðà Ü àÌà Ü àà  à(3)€òòExceptions.€óó€No€notice€shall€be€required€from€a€person€under€this€subsection€if€ð!ðÐ *z  ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(A)à0Œ 4(#4(#àthe€consumer€applied€for€specific€material€terms€and€was€granted€those€terms,Ð öF Ðunless€those€terms€were€initially€specified€by€the€person€after€the€transactionÐ Ü, Ðwas€initiated€by€the€consumer€and€after€the€person€obtained€a€consumerÐ Â Ðreport;€orШøŒ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(B)à0Œ 4(#4(#àthe€person€has€provided€or€will€provide€a€notice€to€the€consumer€underÐ tÄ Ðsubsection€(a)€in€connection€with€the€transaction.ÐZªŒ (#Œ (# Ðà Ü àÌà Ü àà  à(4)à0 4 àòòOther€notice€not€sufficient.€óó€A€person€that€is€required€to€provide€a€notice€under€subƒÐ &v Ðsection€(a)€cannot€meet€that€requirement€by€providing€a€notice€under€this€subsection.Ð \4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#à(5)€òòContent€and€delivery€of€notice.óó€A€notice€under€this€subsection€shall,€at€a€minimum€ð!ð€ÐØ((#(# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(A)à0Œ 4(#4(#àinclude€a€statement€informing€the€consumer€that€the€terms€offered€to€theÐ ¤ô Ðconsumer€are€set€based€on€information€from€a€consumer€report;Њ ÚŒ (#Œ (# ÐÌà Ü àà  àà 4 à(B)€à0 Œ àidentify€the€consumer€reporting€agency€furnishing€the€report;ÐV"¦!Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àÔ_Ô(C)Ô_Ô€à0Œ 4(#4(#àinclude€a€statement€informing€the€consumer€that€the€consumer€may€obtain€aÐ "$r# Ðcopy€of€a€consumer€report€from€that€consumer€reporting€agency€withoutÐ %X $ Ðcharge;€andÐî%>!%Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(D)à0Œ 4(#4(#àinclude€the€contact€information€specified€by€that€consumer€reporting€agen‚cyÐ º' #' Ðfor€obtaining€such€consumer€reports€(including€a€toll-free€telephone€numberÐ  (ð#( Ðestablished€by€the€agency€in€the€case€of€a€consumer€reporting€agencyÐ †)Ö$) Ðdescribed€in€section€603(p)).Ðl*¼%*Œ (#Œ (# ÐÌà Ü àà  à(6)€RulemakingÐ 8,ˆ', ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(A)€òòà0Œ 4(#4(#àRules€required.€€óóThe€Commission€and€the€Board€shall€jointly€prescribe€rules.Ð.T).Œ (#Œ (# Ðâ âÐ ê.:*/ ÐÑR·×=Ñâ RâÑH°ÑÑÇ@ÑѺ$Ñâ RâÑ  Ñà0 Ü àà0Ü(#Ü(#àà04(#(#à(B)à0Œ 4(#4(#àòòContent.óó€€Rules€required€by€subparagraph€(A)€shall€address,€but€are€notÐ H Ðâ âlimited€to€ð!ðÐ.æŒ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà0` 4(#4(#à(i)à0Œ ` (#` (#àà0¸ Œ (#Œ (#àthe€form,€content,€time,€and€manner€of€delivery€of€any€notice€under€thisÐ ú² Ðsubsection;Ðà˜¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà0` 4(#4(#à(ii)€à0¸ ` (#` (#àclarification€of€the€meaning€of€terms€used€in€this€subsection,€includingÐ ¬d Ðwhat€credit€terms€are€material,€and€when€credit€terms€are€materially€lessÐ ’ J Ðfavorable;Ðx 0¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà0` 4(#4(#à(iii)à0¸ ` (#` (#àexceptions€to€the€notice€requirement€under€this€subsection€for€classes€ofÐ D ü  Ðpersons€or€transactions€regarding€which€the€agencies€determine€that€noticeÐ * â  Ðwould€not€significantly€benefit€consumers;ÐÈ ¸ (#¸ (# ÐÌà Ü àà  àà 4 àà ` à(iv)€à0 ¸ àa€model€notice€that€may€be€used€to€comply€with€this€subsection;€andÐÜ” ¸ (#¸ (# ÐÌÒe°Òà0 Ü àà0Üs#Üs#àà04s#s#àà0` 4s#4s#à(v)€à0¸ ` s#` s#àthe€timing€of€the€notice€required€under€paragraph€(1),€including€the€circumƒÐ ¨` Ðstances€under€which€the€notice€must€be€provided€after€the€terms€offered€toÐ ŽF Ðthe€consumer€were€set€based€on€information€from€a€consumer€report.Ðt,¸ s#¸ s# ÐÌÒ°eÒà0 Ü àà0Ü(#Ü(#à(7)à04(#(#àòòCompliance.€€óóA€person€shall€not€be€liable€for€failure€to€perform€the€duties€required€byÐ @ø Ðthis€section€if,€at€the€time€of€the€failure,€the€person€maintained€reasonable€policiesÐ &Þ Ðand€procedures€to€comply€with€this€section.Ð Ä4(#4(# ÐÌà Ü àà  à(8)€EnforcementÐ Ø ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(A)à0Œ 4(#4(#àòòNo€civil€actions.óó€€Sections€616€and€617€shall€not€apply€to€any€failure€by€anyÐ ¤\ Ðperson€to€comply€with€this€section.ЊBŒ (#Œ (# ÐÌÒ°Òà0 Ü àà0ܾ#ܾ#àà04¾#¾#à(B)€òòà0Œ 4¾#4¾#àAdministrative€enforcement.€óó€This€section€shall€be€enforced€exclusively€underÐ V Ðsection€621€by€the€Federal€agencies€and€officials€identified€in€that€section.Ð<ôŒ ¾#Œ ¾# Ðò òà Ü àÔ_ÔÔ_ÔÌðð€616.€€Civil€liability€for€willful€noncomplianceó ó€[15€U.S.C.€ðð1681n]ò òÐ  À  ÐÌó óÒ°Òà Ü à(a)à0  àòòIn€generalóó.€€Any€person€who€willfully€fails€to€comply€with€any€requirement€imposedÐ Ô!Œ" Ðunder€this€title€with€respect€to€any€consumer€is€liable€to€that€consumer€in€an€amountÐ º"r# Ðequal€to€the€sum€of€€Ð #X $(#(# ÐÌà Ü àà  à(1)à0 4 à(A)à0Œ 4(#4(#àany€actual€damages€sustained€by€the€consumer€as€a€result€of€the€failure€orÐ l%$"& Ðdamages€of€not€less€than€$100€and€not€more€than€$1,000;€orÐR& #'Œ (#Œ (# ÐÌ€€€€à Ü à€€€€€€€€€€à0 4 à(B)à0Œ 4(#4(#àin€the€case€of€liability€of€a€natural€person€for€obtaining€a€consumer€reportÐ (Ö$) Ðunder€false€pretenses€or€knowingly€without€a€permissible€purpose,€actualÐ )¼%* Ðdamages€sustained€by€the€consumer€as€a€result€of€the€failure€or€$1,000,Ð ê)¢&+ Ðwhichever€is€greater;ÐÐ*ˆ',Œ (#Œ (# ÐÌà Ü àà  à(2)à0 4 àsuch€amount€of€punitive€damages€as€the€court€may€allow;€and€Ðœ,T).4(#4(# ÐÌà0 Ü à€à  à(3)à04Ü(#Ü(#àin€the€case€of€any€successful€action€to€enforce€any€liability€under€this€section,€theÐ h. +0 Ðcosts€of€the€action€together€with€reasonable€attorney's€fees€as€determined€by€the€court.€Ð N/,1 Ðà ` àÐ40ì,24(#4(# ÐÑLý>Ñâ LâÑÇÇÑѰHÑâ LâÑ  Ñà Ü à(b)à0  àòòCivil€liability€for€knowing€noncompliance.óó€€Any€person€who€obtains€a€consumer€reportÐ ° Ðfrom€a€consumer€reporting€agency€under€false€pretenses€or€knowingly€without€aÐ –æ Ðpermissible€purpose€shall€be€liable€to€the€consumer€reporting€agency€for€actual€damagesÐ |Ì Ðsustained€by€the€consumer€reporting€agency€or€$1,000,€whichever€is€greater.Ðb²(#(# ÐÌà Ü àÔ‡X¦XX^¦ÔÔ‡SX¦XXX¦ÔÔ_Ô(c)Ô_Ôà0  àòòAttorney's€fees.€óó€Upon€a€finding€by€the€court€that€an€unsuccessful€pleading,€motion,€orÐ . ~ Ðother€paper€filed€in€connection€with€an€action€under€this€section€was€filed€in€bad€faith€orÐ  d Ðfor€purposes€of€harassment,€the€court€shall€award€to€the€prevailing€party€attorney's€feesÐ ú J Ðreasonable€in€relation€to€the€work€expended€in€responding€to€the€pleading,€motion,€orÐ à 0 Ðother€paper.ÐÆ  (#(# ÐÌà Ü à(d)à0  àòòClarification€of€willful€noncompliance.óó€€For€the€purposes€of€this€section,€any€person€whoÐ ’â  Ðprinted€an€expiration€date€on€any€receipt€provided€to€a€consumer€cardholder€at€a€point€ofÐ xÈ  Ðsale€or€transaction€between€December€4,€2004,€and€the€date€of€the€enactment€of€thisÐ ^®  Ðsubsection€but€otherwise€complied€with€the€requirements€of€section€605(g)€for€suchÐ D”  Ðreceipt€shall€not€be€in€willful€noncompliance€with€section€605(g)€by€reason€of€printingÐ *z  Ðsuch€expiration€date€on€the€receipt.Ð`(#(# ÐÌÌò òðð€617.€€Civil€liability€for€negligent€noncomplianceó ó€[15€U.S.C.€ðð1681o]Ô#†X¦XXSX¦,%#ÔÔ#†^¦XXX¦ %#ÔÐ Â ÐÌà Ü à(a)à0  àòòIn€general.€óó€Any€person€who€is€negligent€in€failing€to€comply€with€any€requirementÐ ŽÞ Ðimposed€under€this€title€with€respect€to€any€consumer€is€liable€to€that€consumer€in€anÐ tÄ Ðamount€equal€to€the€sum€of€€ÐZª(#(# ÐÌà0 Ü à€à  à(1)à04Ü(#Ü(#àany€actual€damages€sustained€by€the€consumer€as€a€result€of€the€failure;€andÐ&v4(#4(# ÐÌà0 Ü à€à  à(2)à04Ü(#Ü(#àin€the€case€of€any€successful€action€to€enforce€any€liability€under€this€section,€theÐ òB Ðcosts€of€the€action€together€with€reasonable€attorney's€fees€as€determined€by€the€court.€ÐØ(4(#4(# ЀÌà Ü à(b)à0  àòòAttorney's€fees.€óó€On€a€finding€by€the€court€that€an€unsuccessful€pleading,€motion,€or€otherÐ ¤ô Ðpaper€filed€in€connection€with€an€action€under€this€section€was€filed€in€bad€faith€or€forÐ Š Ú Ðpurposes€of€harassment,€the€court€shall€award€to€the€prevailing€party€attorney's€feesÐ p!À  Ðreasonable€in€relation€to€the€work€expended€in€responding€to€the€pleading,€motion,€orÐ V"¦! Ðother€paper.Ð<#Œ"(#(# ÐÌò òðð618.€Jurisdiction€of€courts;€limitation€of€actionsó ó€€[15€U.S.C.€ðð1681p]Ð %X $ Ðà Ü àÌà Ü àà  àAn€action€to€enforce€any€liability€created€under€this€title€may€be€brought€in€anyÐ Ô&$"& Ðappropriate€United€States€district€court,€without€regard€to€the€amount€in€controversy,€or€in€anyÐ º' #' Ðother€court€of€competent€jurisdiction,€not€later€than€the€earlier€of€(1)€2€years€after€the€date€ofÐ  (ð#( Ðdiscovery€by€the€plaintiff€of€the€violation€that€is€the€basis€for€such€liability;€or€(2)€5€years€afterÐ †)Ö$) Ðthe€date€on€which€the€violation€that€is€the€basis€for€such€liability€occurs.Ð l*¼%* ÐÌò òðð€619.€€Obtaining€information€under€false€pretenses€ó ó[15€U.S.C.€ðð1681q]ò òÐ 8,ˆ', ÐÌó ó€à Ü àà  àAny€person€who€knowingly€and€willfully€obtains€information€on€a€consumer€from€aÐ .T). Ðconsumer€reporting€agency€under€false€pretenses€shall€be€fined€under€title€18,€United€StatesÐ ê.:*/ ÐCode,€imprisoned€for€not€more€than€2€years,€or€both.€€€Ð Ð/ +0 ÐÑ{G?Ñâ {âÑÀ°Ñâ {âÑ  ÑÌò òðð€620.€€Unauthorized€disclosures€by€officers€or€employeesó ó€[15€U.S.C.€ðð1681r]ò ò€Ð ¦æ ÐÌó óà Ü àà  àAny€officer€or€employee€of€a€consumer€reporting€agency€who€knowingly€and€willfullyÐ r² Ðprovides€information€concerning€an€individual€from€the€agency's€files€to€a€person€not€authorizedÐ X˜ Ðto€receive€that€information€shall€be€fined€under€title€18,€United€States€Code,€imprisoned€for€notÐ >~ Ðmore€than€2€years,€or€both.€€€Ð $ d Ðà Ü àà  àÌò òðð€621.€€Administrative€enforcement€ó ó[15€U.S.C.€ðð1681s]ò òÐ ð 0 ÐÌà Ü àó ó(a)à  à(1)à0 4 àòòEnforcement€by€Federal€Trade€Commissionóó.€€Compliance€with€the€requirementsÐ ¼ ü  Ðimposed€under€this€title€shall€be€enforced€under€the€Federal€Trade€Commission€ActÐ ¢ â  Ð[15€U.S.C.€ðððð€41€et€seq.]€by€the€Federal€Trade€Commission€with€respect€to€consumerÐ ˆÈ  Ðreporting€agencies€and€all€other€persons€subject€thereto,€except€to€the€extent€thatÐ n®  Ðenforcement€of€the€requirements€imposed€under€this€title€is€specifically€committed€toÐ T”  Ðsome€other€government€agency€under€subsection€(b)€hereof.€For€the€purpose€of€theÐ :z  Ðexercise€by€the€Federal€Trade€Commission€of€its€functions€and€powers€under€the€FedƒÐ  ` Ðeral€Trade€Commission€Act,€a€violation€of€any€requirement€or€prohibition€imposedÐ F Ðunder€this€title€shall€constitute€an€unfair€or€deceptive€act€or€practice€in€commerce€inÐ ì, Ðviolation€of€section€5(a)€of€the€Federal€Trade€Com‚mission€Act€[15€U.S.C.€ðð€45(a)]Ð Ò Ðand€shall€be€subject€to€enforcement€by€the€Federal€Trade€Commission€under€sectionÐ ¸ø Ð5(b)€thereof€[15€U.S.C.€ðð€45(b)]€with€respect€to€any€consumer€reporting€agency€orÐ žÞ Ðperson€subject€to€enforcement€by€the€Federal€Trade€Commission€pursuant€to€thisÐ „Ä Ðsubsection,€irrespective€of€whether€that€person€is€engaged€in€commerce€or€meets€anyÐ jª Ðother€jurisdictional€tests€in€the€Federal€Trade€Commission€Act.€The€Federal€TradeÐ P ÐCommission€shall€have€such€procedural,€investigative,€and€enforcement€powers,Ð 6v Ðincluding€the€power€to€issue€procedural€rules€in€enforcing€compliance€with€theÐ \ Ðrequirements€imposed€under€this€title€and€to€require€the€filing€of€reports,€the€producƒÐ B Ðtion€of€documents,€and€the€appearance€of€witnesses€as€though€the€applicable€termsÐ è( Ðand€conditions€of€the€Federal€Trade€Commission€Act€were€part€of€this€title.€AnyÐ Î Ðperson€violating€any€of€the€provisions€of€this€title€shall€be€subject€to€the€penalties€andÐ ´ô Ðentitled€to€the€privileges€and€immunities€provided€in€the€Federal€Trade€CommissionÐ šÚ ÐAct€as€though€the€applicable€terms€and€provisions€thereof€were€part€of€this€title.€Ð€ À 4(#4(# ÐÌà0 Ü àà  à(2)à04Ü(#Ü(#à(A)à0Œ 4(#4(#àIn€the€event€of€a€knowing€violation,€which€constitutes€a€pattern€or€practice€ofÐ L"Œ" Ðviolations€of€this€title,€the€Commission€may€commence€a€civil€action€toÐ 2#r# Ðrecover€a€civil€penalty€in€a€district€court€of€the€United€States€against€anyÐ $X $ Ðperson€that€violates€this€title.€In€such€action,€such€person€shall€be€liable€for€aÐ þ$>!% Ðcivil€penalty€of€not€more€than€$2,500€per€violation.׃ª×Ý ƒÿÿÝòòÚ  Ú7Ú  ÚóóÝ  Ý×  ×Ðä%$"&Œ (#Œ (# ÐÌ€à0 Ü àà0Ü(#Ü(#àà04(#(#à(B)à0Œ 4(#4(#àIn€determining€the€amount€of€a€civil€penalty€under€subparagraph€(A),€theÐ °'ð#( Ðcourt€shall€take€into€account€the€degree€of€culpability,€any€history€of€priorÐ –(Ö$) Ðsuch€conduct,€ability€to€pay,€effect€on€ability€to€continue€to€do€business,€andÐ |)¼%* Ðsuch€other€matters€as€justice€may€require.à œ àÐb*¢&+Œ (#Œ (# Ðâ âÐ H+ˆ', ÐÑHOY@Ñâ HâѰÀÑâ HâÑ  Ñà Ü àà  à(3)à0 4 àNotwithstanding€paragraph€(2),€a€court€may€not€impose€any€civil€penalty€on€a€personÐ ° Ðâ âfor€a€violation€of€section€623(a)(1)€[ðð1681s„2]€unless€the€person€has€been€enjoinedÐ –æ Ðfrom€committing€the€violation,€or€ordered€not€to€commit€the€violation,€in€an€action€orÐ |Ì Ðproceeding€brought€by€or€on€behalf€of€the€Federal€Trade€Commis‚sion,€and€hasÐ b² Ðviolated€the€injunction€or€order,€and€the€court€may€not€impose€any€civil€penalty€forÐ H˜ Ðany€violation€occurring€before€the€date€of€the€violation€of€the€injunction€or€order.Ð. ~4(#4(# Ðà Ü àÌà Ü à(b)à0  àòòEnforcement€by€other€agencies.€óó€Compliance€with€the€requirements€imposed€under€thisÐ ú J Ðtitle€with€respect€to€consumer€reporting€agencies,€persons€who€use€consumer€reports€fromÐ à 0 Ðsuch€agencies,€persons€who€furnish€information€to€such€agencies,€and€users€of€informaƒÐ Æ   Ðtion€that€are€subject€to€subsection€(d)€of€section€615€[ðð1681m]€shall€be€enforced€under€€Ð¬ ü (#(# ÐÌà0 Ü àà0Ü(#Ü(#à(1)à 4 àsection€8€of€the€Federal€Deposit€Insurance€Act€[12€U.S.C.€ðð€1818],€in€the€case€of€€ÐxÈ (#(# Ðà0 Ü àà0Ü(#Ü(#àÐ (#(# Ðà Ü àà  àà 4 à(A)à0 Œ ànational€banks,€and€Federal€branches€and€Federal€agencies€of€foreign€banks,Ð D”  Ðby€the€Office€of€the€Comptroller€of€the€Currency;Ð*z Œ (#Œ (# ÐÌà Ü àà  àà 4 à(B)à0 Œ àmember€banks€of€the€Federal€Reserve€System€(other€than€national€banks),Ð öF Ðbranches€and€agencies€of€foreign€banks€(other€than€Federal€branches,€FederalÐ Ü, Ðagencies,€and€insured€State€branches€of€foreign€banks),€commercial€lendingÐ Â Ðcompanies€owned€or€controlled€by€foreign€banks,€and€organizations€operatingÐ ¨ø Ðunder€section€25€or€25A€of€the€Federal€Reserve€Act€[12€U.S.C.€ðððð€601€et€seq.,Ð ŽÞ Ððððð€611€et€seq],€by€the€Board€of€Governors€of€the€Federal€Reserve€System;€andÐtÄŒ (#Œ (# ÐÌÒ9°Òà Ü à€€€€à0  àà04Ÿ$Ÿ$àÔ_Ô(C)Ô_Ôà0Œ 4Ÿ$4Ÿ$àbanks€insured€by€the€Federal€Deposit€Insurance€Corporation€(other€than€mem‚bersÐ @ Ðof€the€Federal€Reserve€System)€and€insured€State€branches€of€foreign€banks,€by€theÐ &v ÐBoard€of€Directors€of€the€Federal€Deposit€Insurance€Corporation;€Ð \Œ Ÿ$Œ Ÿ$ ÐÌÒ°9Òà Ü àà  à(2)à0 4 àsection€8€of€the€Federal€Deposit€Insurance€Act€[12€U.S.C.€ðð€1818],€by€the€Director€ofÐ Ø( Ðthe€Office€of€Thrift€Supervision,€in€the€case€of€a€savings€association€the€deposits€ofÐ ¾ Ðwhich€are€insured€by€the€Federal€Deposit€Insurance€Corporation;Фô4(#4(# ÐÌà Ü àà  à(3)à0 4 àthe€Federal€Credit€Union€Act€[12€U.S.C.€ðððð€1751€et€seq.],€by€the€Administrator€of€theÐ p!À  ÐNational€Credit€Union€Administration€[National€Credit€Union€Administration€Board]Ð V"¦! Ðwith€respect€to€any€Federal€credit€union;€Ð<#Œ"4(#4(# ÐÌà Ü àà  à(4)à0 4 àsubtitle€IV€of€title€49€[49€U.S.C.€ðððð€10101€et€seq.],€by€the€Secretary€of€TransƒÐ %X $ Ðportation,€with€respect€to€all€carriers€subject€to€the€jurisdiction€of€the€SurfaceÐ î%>!% ÐTransportation€Board;ÐÔ&$"&4(#4(# ÐÌà0 Ü àà  à(5)à04Ü(#Ü(#àthe€Federal€Aviation€Act€of€1958€[49€U.S.C.€Appx€ðððð€1301€et€seq.],€by€the€SecretaryÐ  (ð#( Ðof€Transportation€with€respect€to€any€air€carrier€or€foreign€air€carrier€subject€to€thatÐ †)Ö$) ÐAct€[49€U.S.C.€Appx€ðððð€1301€et€seq.];€and€Ðl*¼%*4(#4(# ÐÌà Ü àà  à(6)à0 4 àthe€Packers€and€Stockyards€Act,€1921€[7€U.S.C.€ðððð€181€et€seq.]€(except€as€provided€inÐ 8,ˆ', Ðsection€406€of€that€Act€[7€U.S.C.€ðððð€226€and€227]),€by€the€Secretary€of€AgricultureÐ -n(- Ðwith€respect€to€any€activities€subject€to€that€Act.Ð.T).4(#4(# Ðâ âÐ ê.:*/ ÐÑ`ÞzAÑâ `âѰ°ÑѺÑâ `âÑ  ÑThe€terms€used€in€paragraph€(1)€that€are€not€defined€in€this€title€or€otherwise€defined€in€sec‚tionÐ ° Ðâ â3(s)€of€the€Federal€Deposit€Insurance€Act€(12€U.S.C.€ðð1813(s))€shall€have€the€meaning€given€toÐ –æ Ðthem€in€section€1(b)€of€the€International€Banking€Act€of€1978€(12€U.S.C.€ðð3101).€Ð |Ì ÐÌà Ü àÔ_Ô(c)Ô_Ô€State€Action€for€Violations€Ð H˜ ÐÌ€€€€à Ü àà  à(1)à0 4 àòòAuthority€of€states.óó€€In€addition€to€such€other€remedies€as€are€provided€under€StateÐ  d Ðlaw,€if€the€chief€law€enforcement€officer€of€a€State,€or€an€official€or€agencyÐ ú J Ðdesignated€by€a€State,€has€reason€to€believe€that€any€person€has€violated€or€isÐ à 0 Ðviolating€this€title,€the€State€€ÐÆ  4(#4(# ÐÌà Ü à€€€€à0  àà04(#(#à(A)€€à0Œ 4(#4(#àmay€bring€an€action€to€enjoin€such€violation€in€any€appropriate€United€StatesÐ ’â  Ðdistrict€court€or€in€any€other€court€of€competent€jurisdiction;ÐxÈ Œ (#Œ (# ÐÌ€€€à Ü à€€€€€€€€€€€€(B)€€à0 Œ àsubject€to€paragraph€(5),€may€bring€an€action€on€behalf€of€the€residents€of€theÐ D”  ÐState€to€recover€€Ð*z Œ (#Œ (# ÐÌ€€€€à Ü àà  àà 4 àà0 ` à(i)à0Œ ` (#` (#àà0¸ Œ (#Œ (#àdamages€for€which€the€person€is€liable€to€such€residents€under€sectionsÐ öF Ð616€and€617€[ðððð1681n€and€1681o]€as€a€result€of€the€violation;ÐÜ,¸ (#¸ (# ÐÌ€€€€à Ü àà  àà 4 àà0 ` à(ii)à0Œ ` (#` (#àà0¸ Œ (#Œ (#àin€the€case€of€a€violation€described€in€any€of€paragraphs€(1)€through€(3)€ofÐ ¨ø Ðsection€623Ô_Ô(c)Ô_Ô€[ðð1681s„2],€damages€for€which€the€person€would,€but€forÐ ŽÞ Ðsection€623Ô_Ô(c)Ô_Ô,€be€liable€to€such€residents€as€a€result€of€the€violation;€orÐtĸ (#¸ (# ÐÌ€€€€à Ü àà  àà 4 àà0 ` à(iii)€à0¸ ` (#` (#àdamages€of€not€more€than€$1,000€for€each€willful€or€negligent€viola‚tion;Ð @ ÐandÐ&v¸ (#¸ (# ÐÌà Ü à€€€€€à0  àà04(#(#àÔ_Ô(C)Ô_Ôà0Œ 4(#4(#àin€the€case€of€any€successful€action€under€subparagraph€(A)€or€(B),€shall€beÐ òB Ðawarded€the€costs€of€the€action€and€reasonable€attorney€fees€as€determined€byÐ Ø( Ðthe€court.оŒ (#Œ (# ÐÌ€€€€à Ü àà  à(2)à0 4 àòòRights€of€federal€regulators.€€óóThe€State€shall€serve€prior€written€notice€of€any€actionÐ Š Ú Ðunder€paragraph€(1)€upon€the€Federal€Trade€Commission€or€the€appropriate€FederalÐ p!À  Ðregulator€determined€under€subsection€(b)€and€provide€the€Commission€orÐ V"¦! Ðappropriate€Federal€regulator€with€a€copy€of€its€complaint,€except€in€any€case€inÐ <#Œ" Ðwhich€such€prior€notice€is€not€feasible,€in€which€case€the€State€shall€serve€such€noticeÐ "$r# Ðimmediately€upon€instituting€such€action.€The€Federal€Trade€Commission€orÐ %X $ Ðappropriate€Federal€regulator€shall€have€the€right€€Ðî%>!%4(#4(# Ðà Ü àà  àà 4 àà ` àà Œ àà ¸ àà ä àà  àà < àà h àà ” àà À àà ì àà  àà D àà p àà œ àà È àÌ€€€€à Ü àà  àà 4 à(A)à0 Œ àto€intervene€in€the€action;к' #'Œ (#Œ (# ÐÌ€€€€à Ü àà  àà0 4 à(B)€à0Œ 4(#4(#àupon€so€intervening,€to€be€heard€on€all€matters€arising€therein;І)Ö$)Œ (#Œ (# ÐÌ€€€€à Ü àà  àà0 4 à(C)€à0Œ 4(#4(#àto€remove€the€action€to€the€appropriate€United€States€district€court;€andÐR+¢&+Œ (#Œ (# ÐÌ€€€€à Ü àà  àà0 4 à(D)€à0Œ 4(#4(#àto€file€petitions€for€appeal.Ð-n(-Œ (#Œ (# ÐÌ€€à Ü àà  à(3)à0 4 àòòInvestigatory€powers.óó€€For€purposes€of€bringing€any€action€under€this€subsection,Ð ê.:*/ Ðnothing€in€this€subsection€shall€prevent€the€chief€law€enforcement€officer,€or€anÐ Ð/ +0 Ðofficial€or€agency€designated€by€a€State,€from€exercising€the€powers€conferred€on€theÐ ¶0,1 ÐÑpOJBÑâ pâÑ8°Ñâ pâÑ  Ñchief€law€enforcement€officer€or€such€official€by€the€laws€of€such€State€to€conductÐ 8 Ðinvestigations€or€to€administer€oaths€or€affirmations€or€to€compel€the€attendance€ofÐ æ Ðwitnesses€or€the€production€of€documentary€and€other€evidence.ÐÌ4(#4(# ÐÌ€€€€à Ü àà  à(4)à0 4 àòòLimitation€on€state€action€while€federal€action€pending.óó€€If€the€Federal€TradeРИ ÐCommission€or€the€appropriate€Federal€regulator€has€instituted€a€civil€action€or€anÐ ¶~ Ðadministrative€action€under€section€8€of€the€Federal€Deposit€Insurance€Act€for€aÐ œ d Ðviolation€of€this€title,€no€State€may,€during€the€pendency€of€such€action,€bring€anÐ ‚ J Ðaction€under€this€section€against€any€defendant€named€in€the€complaint€of€theÐ h 0 ÐCommission€or€the€appropriate€Federal€regulator€for€any€violation€of€this€title€that€isÐ N   Ðalleged€in€that€complaint.Ð4 ü 4(#4(# ÐÌà Ü àà  à(5)à0 4 àLimitations€on€State€Actions€for€Certain€Violations€€ÐÈ 4(#4(# ÐÌ€€€à Ü àà0  àà04(#(#à(A)òòà0Œ 4(#4(#àViolation€of€injunction€required.óó€€A€State€may€not€bring€an€action€against€aÐ Ì”  Ðperson€under€paragraph€(1)(B)€for€a€violation€described€in€any€of€paragraphsÐ ²z  Ð(1)€through€(3)€of€section€623(c),€unless€€Ð˜`Œ (#Œ (# ÐÌ€€€€à Ü àà  àà 4 àà0 ` à(i)à0Œ ` (#` (#àà0¸ Œ (#Œ (#àthe€person€has€been€enjoined€from€committing€the€violation,€in€an€actionÐ d, Ðbrought€by€the€State€under€paragraph€(1)(A);€andÐJ¸ (#¸ (# ÐÌ€€€€à Ü àà  àà 4 àà ` à(ii)€à0 ¸ àthe€person€has€violated€the€injunction.ÐÞ¸ (#¸ (# ÐÌà Ü àà  à€à0 4 à(B)òòà0Œ 4(#4(#àLimitation€on€damages€recoverable.€óó€In€an€action€against€a€person€underР⪠Ðparagraph€(1)(B)€for€a€violation€described€in€any€of€paragraphs€(1)€through€(3)Ð È Ðof€section€623Ô_Ô(c)Ô_Ô,€a€State€may€not€recover€any€damages€incurred€before€theÐ ®v Ðdate€of€the€violation€of€an€injunction€on€which€the€action€is€based.Д\Œ (#Œ (# ÐÌÒ°Ò€à Ü à(d)à0  àòòEnforcement€under€other€authorityóó.€€For€the€purpose€of€the€exercise€by€any€agency€referredÐ `( Ðto€in€subsection€(b)€of€this€section€of€its€powers€under€any€Act€referred€to€in€that€subsecƒÐ F Ðtion,€a€violation€of€any€requirement€imposed€under€this€title€shall€be€deemed€to€be€a€violaƒÐ ,ô Ðtion€of€a€requirement€imposed€under€that€Act.€In€addition€to€its€powers€under€any€provisionÐ  Ú Ðof€law€specifically€referred€to€in€subsection€(b)€of€this€section,€each€of€the€agencies€referredÐ ø À  Ðto€in€that€subsection€may€exercise,€for€the€purpose€of€enforcing€compliance€with€anyÐ Þ!¦! Ðrequirement€imposed€under€this€title€any€other€authority€conferred€on€it€by€law.€Ô‡^§”\X^¦ÔÐÄ"Œ"¾#¾# ÐÔ#†^¦X\^§””t#Ôà Ü àÌà Ü à(e)€Regulatory€authorityÐ $X $ ÐÒ°ÒÌà Ü àà  à(1)à0 4 àThe€Federal€banking€agencies€referred€to€in€paragraphs€(1)€and€(2)€of€subsection€(b)Ð \&$"& Ðshall€jointly€prescribe€such€regulations€as€necessary€to€carry€out€the€purposes€of€thisÐ B' #' ÐAct€with€respect€to€any€persons€identified€under€paragraphs€(1)€and€(2)€of€subsectionÐ ((ð#( Ð(b),€and€the€Board€of€Governors€of€the€Federal€Reserve€System€shall€have€authorityÐ )Ö$) Ðto€prescribe€regulations€consistent€with€such€joint€regulations€with€respect€to€bankÐ ô)¼%* Ðholding€companies€and€affiliates€(other€than€depository€institutions€and€consumerÐ Ú*¢&+ Ðreporting€agencies)€of€such€holding€companies.ÐÀ+ˆ',4(#4(# ÐÌ€€€€€€€€€€à0  à(2)à04(#(#àThe€Board€of€the€National€Credit€Union€Administration€shall€prescribe€suchÐ Œ-T). Ðregulations€as€necessary€to€carry€out€the€purposes€of€this€Act€with€respect€to€anyÐ r.:*/ Ðpersons€identified€under€paragraph€(3)€of€subsection€(b).ÐX/ +04(#4(# ÐÐ >0,1 ÐÑ_ƒnCÑâ _âÑÇÇÑѰ8Ñâ _âÑ  Ñò òó óà0 Ü à(f)€Coordination€of€Consumer€Complaint€InvestigationsаÜ(#Ü(# ÐÌà0 Ü àà0Ü(#Ü(#à(1)à04(#(#àòòIn€generalóó.€€Each€consumer€reporting€agency€described€in€section€603(p)€shallÐ |Ì Ðdevelop€and€maintain€procedures€for€the€referral€to€each€other€such€agency€of€anyÐ b² Ðconsumer€complaint€received€by€the€agency€alleging€identity€theft,€or€requesting€aÐ H˜ Ðfraud€alert€under€section€605A€or€a€block€under€section€605B.Ð. ~4(#4(# ÐÌà Ü àà  à(2)à0 4 àòòModel€form€and€procedure€for€reporting€identity€theft.€€óóThe€Commission,€in€consulƒÐ ú J Ðtation€with€the€Federal€banking€agencies€and€the€National€Credit€Union€AdminisƒÐ à 0 Ðtration,€shall€develop€a€model€form€and€model€procedures€to€be€used€by€consum‚ersÐ Æ   Ðwho€are€victims€of€identity€theft€for€contacting€and€informing€creditors€andЬ ü 4(#4(# ÐÒX°Òà Ü àà  à€à0 4 àconsumer€reporting€agencies€of€the€fraud.à€%%[€%4€%4€%àòòò òSee€also€70€Fed.Reg.€21792€(04/27/05)ˆÐ ’â  Ðó óóóÌÒ°XÒà Ü àà  à(3)à0 4 àòòAnnual€summary€reports.€€óóEach€consumer€reporting€agency€described€in€sectionÐ ^®  Ð603(p)€shall€submit€an€annual€summary€report€to€the€Commission€on€consumerÐ D”  Ðcomplaints€received€by€the€agency€on€identity€theft€or€fraud€alerts.Ð*z 4(#4(# Ðò òà Ü àà  àà 4 àà ` àà Œ àà ¸ àà ä àà  àà < àà h àà ” àà À àà ì àà  àà D àà p àà œ àà È àà ô àà  àà L àÌó óà0 Ü à(g)à0Ü(#Ü(#àòòFTC€regulation€of€coding€of€trade€namesóó.€€If€the€Commission€determines€that€a€personÐ öF Ðdescribed€in€paragraph€(9)€of€section€623(a)€has€not€met€the€requirements€of€suchÐ Ü, Ðparagraph,€the€Commission€shall€take€action€to€ensure€the€person's€compliance€with€suchÐ Â Ðparagraph,€which€may€include€issuing€model€guidance€or€prescribing€reasonable€policiesÐ ¨ø Ðand€procedures,€as€necessary€to€ensure€that€such€person€complies€with€such€paragraph.ò òà @'" àÐŽÞ(#(# ÐÌðð€622.€€Information€on€overdue€child€support€obligationsó ó€[15€U.S.C.€ðð1681s-1]ò ò€ó óÐ Zª ÐÌà Ü àà  àNotwithstanding€any€other€provision€of€this€title,€a€consumer€reporting€agency€shall€inƒÐ &v Ðclude€in€any€consumer€report€furnished€by€the€agency€in€accordance€with€section€604€[ðð€1681b]Ð  \ Ðof€this€title,€any€information€on€the€failure€of€the€consumer€to€pay€overdue€support€which€€Ð òB ЀÌà Ü àà  à(1)à0 4 àis€provided€€Ð¾4(#4(# Ðà Ü àà  àà 4 àÌà Ü à€€à  àà0 4 à(A)à0Œ 4(#4(#àto€the€consumer€reporting€agency€by€a€State€or€local€child€support€enforceƒÐ Š Ú Ðment€agency;€orÐp!À Œ (#Œ (# ÐÌà Ü à€€€à  à€à0 4 à(B)à0Œ 4(#4(#àto€the€consumer€reporting€agency€and€verified€by€any€local,€State,€or€FederalÐ <#Œ" Ðgovernment€agency;€andÐ"$r#Œ (#Œ (# ÐÌ€€à Ü àà  à(2)à0 4 àantedates€the€report€by€7€years€or€less.€Ðî%>!%4(#4(# ÐÌò òðð€623.€Responsibilities€of€furnishers€of€information€to€consumer€reporting€agenciesó ó€Ð º' #' Ð[15€U.S.C.€ðð1681s„2]ò òÐ  (ð#( Ðó óÌà Ü à(a)à0  àDuty€of€Furnishers€of€Information€to€Provide€Accurate€Information€€Ðl*¼%*(#(# ÐÌà Ü àà  à(1)à0 4 àProhibitionÐ8,ˆ',4(#4(# ÐÌ€€€€à Ü à€€€€à0  àà04(#(#à(A)à0Œ 4(#4(#àòòReporting€information€with€actual€knowledge€of€errors.óó€€A€person€shall€notÐ .T). Ðfurnish€any€information€relating€to€a€consumer€to€any€consumer€reportingÐ ê.:*/ Ðagency€if€the€person€knows€or€has€reasonable€cause€to€believe€that€theÐ Ð/ +0 Ðinformation€is€inaccurate.ж0,1Œ (#Œ (# ÐÑa9ˆDÑâ aâÑ8°ÑÑÇÇÑâ aâÑ  ÑÌ€€€€à Ü à€€€€€à0  àà04(#(#à(B)à0Œ 4(#4(#àòòReporting€information€after€notice€and€confirmation€of€errors.óó€€A€person€shallÐ æ Ðnot€furnish€information€relating€to€a€consumer€to€any€consumer€reportingÐ Ì Ðagency€if€€Ð게 (#Œ (# ÐÌ€€€€à Ü àà  àà0 4 àà0` 4(#4(#à(i)à0Œ ` (#` (#àà0¸ Œ (#Œ (#àthe€person€has€been€notified€by€the€consumer,€at€the€address€specified€byÐ ¶~ Ðthe€person€for€such€notices,€that€specific€information€is€inaccurate;€andМ d¸ (#¸ (# ÐÌ€€€€à Ü àà  àà0 4 àà0` 4(#4(#à(ii)€€à0¸ ` (#` (#àthe€information€is,€in€fact,€inaccurate.Ðh 0¸ (#¸ (# ÐÌ€€€€à Ü à€€€€€à0  àà04(#(#àÔ_Ô(C)Ô_Ôà0Œ 4(#4(#àòòNo€address€requirement.óó€€A€person€who€clearly€and€conspicuously€specifies€toÐ 4 ü  Ðthe€consumer€an€address€for€notices€referred€to€in€subparagraph€(B)€shall€notÐ â  Ðbe€subject€to€subparagraph€(A);€however,€nothing€in€subpara‚graph€(B)€shallÐ È  Ðrequire€a€person€to€specify€such€an€Ô‡X¦XX^¦Ôaddress.Ðæ® Œ (#Œ (# ÐÌÔ‡X¦XXX¦Ôà0 Ü àà0Ü(#Ü(#àà04(#(#à(D)à0Œ 4(#4(#àòòDefinition.€óó€For€purposes€of€subparagraph€(A),€the€term€ð ðreasonable€cause€toÐ ²z  Ðbelieve€that€the€information€is€inaccurateðð€means€having€specific€knowledge,Ð ˜` Ðother€than€solely€allegations€by€the€consumer,€that€would€cause€a€reasonableÐ ~F Ðperson€to€have€substantial€doubts€about€the€accuracy€of€the€information.Ðd,Œ (#Œ (# ÐÔ#†X¦XXX¦4#ÔÌà Ü à€à  à(2)à0 4 àòòDuty€to€correct€and€update€information.óó€€A€person€who€€Ð0ø4(#4(# ÐÔ#†^¦XXX¦í#Ôà Ü àÌ€€€€à Ü à€€€€à0  àà04(#(#à(A)à0Œ 4(#4(#àregularly€and€in€the€ordinary€course€of€business€furnishes€information€to€oneÐ üÄ Ðor€more€consumer€reporting€agencies€about€the€person's€transactions€orР⪠Ðexperiences€with€any€consumer;€andÐÈŒ (#Œ (# ÐÌ€€€€à Ü à€€€€€à0  àà04(#(#à(B)à0Œ 4(#4(#àhas€furnished€to€a€consumer€reporting€agency€information€that€the€personÐ ”\ Ðdetermines€is€not€complete€or€accurate,€shall€promptly€notify€the€consumerÐ zB Ðreporting€agency€of€that€determination€and€provide€to€the€agency€anyÐ `( Ðcorrections€to€that€information,€or€any€additional€information,€that€isÐ F Ðnecessary€to€make€the€information€provided€by€the€person€to€the€agencyÐ ,ô Ðcomplete€and€accurate,€and€shall€not€thereafter€furnish€to€the€agency€any€ofÐ  Ú Ðthe€information€that€remains€not€complete€or€accurate.Ðø À Œ (#Œ (# ÐÌÒe°Òà Ü à€à  à(3)à0 4 àòòDuty€to€provide€notice€of€dispute.óó€€If€the€completeness€or€accuracy€of€any€informa‚tionÐ Ä"Œ" Ðfurnished€by€any€person€to€any€consumer€reporting€agency€is€disputed€to€such€personÐ ª#r# Ðby€a€consumer,€the€person€may€not€furnish€the€information€to€any€con‚sumer€reportingÐ $X $ Ðagency€without€notice€that€such€information€is€disputed€by€the€consumer.Ðv%>!%4s#4s# ÐÌÒ°eÒ€€€€à Ü àà  à(4)à0 4 àòòDuty€to€provide€notice€of€closed€accounts.óó€€A€person€who€regularly€and€in€theÐ B' #' Ðordinary€course€of€business€furnishes€information€to€a€consumer€reporting€agency€Ð ((ð#( Ðregarding€a€consumer€who€has€a€credit€account€with€that€person€shall€notify€theÐ )Ö$) Ðagency€of€the€voluntary€closure€of€the€account€by€the€consumer,€in€informationÐ ô)¼%* Ðregularly€furnished€for€the€period€in€which€the€account€is€closed.ÐÚ*¢&+4(#4(# ÐÌ€€€à Ü àà  à(5)à0 4 àDuty€to€Provide€Notice€of€Delinquency€of€Accounts€€Ð¦,n(-4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(A)à0Œ 4(#4(#àòòIn€generalóó.€€A€person€who€furnishes€information€to€a€consumer€reportingÐ r.:*/ Ðagency€regarding€a€delinquent€account€being€placed€for€collection,€charged€toÐ X/ +0 Ðprofit€or€loss,€or€subjected€to€any€similar€action€shall,€not€later€than€90€daysÐ >0,1 ÐÑ^£YEÑâ ^âÑÀ8ÑÑÇÇÑâ ^âÑ  Ñafter€furnishing€the€information,€notify€the€agency€of€the€date€of€delinquencyÐ À Ðon€the€account,€which€shall€be€the€€month€and€year€of€the€commencement€ofÐ ¦æ Ðthe€delinquency€on€the€account€that€immediately€preceded€the€action.Ќ̌ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(B)€à0Œ 4(#4(#àòòRule€of€construction.€óó€For€purposes€of€this€paragraph€only,€and€provided€thatÐ X˜ Ðthe€consumer€does€not€dispute€the€information,€a€person€that€furnishes€inforƒÐ >~ Ðmation€on€a€delinquent€account€that€is€placed€for€collection,€charged€for€profitÐ $ d Ðor€loss,€or€subjected€to€any€similar€action,€complies€with€this€paragraph,€ifð!ðÐ JŒ (#Œ (# Ðà Ü àà  àà 4 àà ` àÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà ` à(i)à0Œ 4(#4(#àà0¸ Œ (#Œ (#àthe€person€reports€the€same€date€of€delinquency€as€that€provided€by€theÐ Ö   Ðcreditor€to€which€the€account€was€owed€at€the€time€at€which€theÐ ¼ ü  Ðcommencement€of€the€delinquency€occurred,€if€the€creditor€previouslyÐ ¢ â  Ðreported€that€date€of€delinquency€to€a€consumer€reporting€agency;ÐˆÈ ¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà0` 4(#4(#à(ii)à0Œ ` (#` (#àà0¸ Œ (#Œ (#àthe€creditor€did€not€previously€report€the€date€of€delinquency€to€aÐ T”  Ðconsumer€reporting€agency,€and€the€person€establishes€and€followsÐ :z  Ðreasonable€procedures€to€obtain€the€date€of€delinquency€from€the€creditorÐ  ` Ðor€another€reliable€source€and€reports€that€date€to€a€consumer€reportingÐ F Ðagency€as€the€date€of€delinquency;€orÐì,¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à€€€€à0` 4(#4(#à(iii)à0¸ ` (#` (#àthe€creditor€did€not€previously€report€the€date€of€delinquency€to€aÐ ¸ø Ðconsumer€reporting€agency€and€the€date€of€delinquency€cannot€beÐ žÞ Ðreasonably€obtained€as€provided€in€clause€(ii),€the€person€establishes€andÐ „Ä Ðfollows€reasonable€procedures€to€ensure€the€date€reported€as€the€date€ofÐ jª Ðdelinquency€precedes€the€date€on€which€the€account€is€placed€forÐ P Ðcollection,€charged€to€profit€or€loss,€or€subjected€to€any€similar€action,€andÐ 6v Ðreports€such€date€to€the€credit€reporting€agency.Ð\¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#à(6)€Duties€of€Furnishers€Upon€Notice€of€Identity€Theft-Related€InformationÐè((#(# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(A)€òòà0Œ 4(#4(#àReasonable€procedures.€€óóA€person€that€furnishes€information€to€any€consumerÐ ´ô Ðreporting€agency€shall€have€in€place€reasonable€procedures€to€respond€to€anyÐ šÚ Ðnotification€that€it€receives€from€a€consumer€reporting€agency€under€sectionÐ € À  Ð605B€relating€to€information€resulting€from€identity€theft,€to€prevent€thatÐ f!¦! Ðperson€from€refurnishing€such€blocked€information.ÐL"Œ"Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(B)€òòà0Œ 4(#4(#àInformation€alleged€to€result€from€identity€theft.€óó€If€a€consumer€submits€anÐ $X $ Ðidentity€theft€report€to€a€person€who€furnishes€information€to€a€consumerÐ þ$>!% Ðreporting€agency€at€the€address€specified€by€that€person€for€receiving€suchÐ ä%$"& Ðreports€stating€that€information€maintained€by€such€person€that€purports€toÐ Ê& #' Ðrelate€to€the€consumer€resulted€from€identity€theft,€the€person€may€not€furnishÐ °'ð#( Ðsuch€information€that€purports€to€relate€to€the€consumer€to€any€consumerÐ –(Ö$) Ðreporting€agency,€unless€the€person€subsequently€knows€or€is€informed€by€theÐ |)¼%* Ðconsumer€that€the€information€is€correct.Ðb*¢&+Œ (#Œ (# Ðà Ü àÌà Ü àà  à(7)€Negative€InformationÐ .,n(- ÐÌà Ü àà  àà 4 à(A)à0 Œ àNotice€to€Consumer€RequiredÐú-:*/Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà0` 4(#4(#à(i)à0Œ ` (#` (#àòòà0¸ Œ (#Œ (#àIn€general.€óó€If€any€financial€institution€that€extends€credit€and€regularlyÐ Æ/,1 Ðand€in€the€ordinary€course€of€business€furnishes€information€to€a€con‚sumerÐ ¬0ì,2 Ðreporting€agency€described€in€section€603(p)€furnishes€negativeÐ À Ðinformation€to€such€an€agency€regarding€credit€extended€to€a€customer,€theÐ ¦æ Ðfinancial€institution€shall€provide€a€notice€of€such€furnishing€of€negativeÐ ŒÌ Ðinformation,€in€writing,€to€the€customer.Ðr²¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà0` 4(#4(#à(ii)€òòà0¸ ` (#` (#àNotice€effective€for€subsequent€submissions.€€óóAfter€providing€such€notice,Ð >~ Ðthe€financial€institution€may€submit€additional€negative€information€to€aÐ $ d Ðconsumer€reporting€agency€described€in€section€603(p)€with€respect€to€theÐ  J Ðsame€transaction,€extension€of€credit,€account,€or€customer€withoutÐ ð 0 Ðproviding€additional€notice€to€the€customer.ÐÖ  ¸ (#¸ (# Ðà Ü àÌà Ü àà  àà 4 à(B)à0 Œ àTime€of€NoticeТ â Œ (#Œ (# ÐÌÒ°Òà0 Ü àà0ܾ#ܾ#àà04¾#¾#àà0` 4¾#4¾#à(i)€òòà0Œ ` ¾#` ¾#àà0¸ Œ ¾#Œ ¾#àIn€general.€€óóThe€notice€required€under€subparagraph€(A)€shall€be€provided€toÐ n®  Ðthe€customer€prior€to,€or€no€later€than€30€days€after,€furnishing€the€nega‚tiveÐ T”  Ðinformation€to€a€consumer€reporting€agency€described€in€section€603(p).Ð:z ¸ ¾#¸ ¾# ÐÌà0 Ü àà0ܾ#ܾ#àà04¾#¾#àà0` 4¾#4¾#à(ii)€òòà0¸ ` ¾#` ¾#àCoordination€with€new€account€disclosuresóó.€€If€the€notice€is€provided€to€theÐ F Ðcustomer€prior€to€furnishing€the€negative€information€to€a€consumerÐ ì, Ðreporting€agency,€the€notice€may€not€be€included€in€the€initial€disclosuresÐ Ò Ðprovided€under€section€127(a)€of€the€Truth€in€Lending€Act.€Ð¸ø¸ ¾#¸ ¾# ÐÌÒ9Òà0 Ü àà0ÜŸ$ÜŸ$àà04Ÿ$Ÿ$àÔ_Ô(C)Ô_Ôà0Œ 4Ÿ$4Ÿ$àòòCoordination€with€other€disclosures-€óóThe€notice€required€under€subpara‚graph€(A)ð!ð€Ð„ÄŒ Ÿ$Œ Ÿ$ ÐÌÒ9Òà0 Ü àà0ܾ#ܾ#àà04¾#¾#àà0` 4¾#4¾#à(i)à0Œ ` ¾#` ¾#àà0¸ Œ ¾#Œ ¾#àmay€be€included€on€or€with€any€notice€of€default,€any€billing€statement,€orÐ P Ðany€other€materials€provided€to€the€customer;€andÐ6v¸ ¾#¸ ¾# ÐÌà Ü àà  àà 4 àà ` à(ii)à0 Œ àà0¸ Œ ¾#Œ ¾#àmust€be€clear€and€conspicuous.ÐB¸ ¾#¸ ¾# ÐÌà Ü àà  àà 4 à(D)à0 Œ àModel€DisclosureÐÎŒ ¾#Œ ¾# ÐÌà0 Ü àà0ܾ#ܾ#àà04¾#¾#àà0` 4¾#4¾#à(i)à0Œ ` ¾#` ¾#àà0¸ Œ ¾#Œ ¾#àòòDuty€of€Board€to€prepare.€€óóThe€Board€shall€prescribe€a€brief€model€dis‚cloƒÐ šÚ Ðsure€a€financial€institution€may€use€to€comply€with€subparagraph€(A),Ѐ À ¸ ¾#¸ ¾# ÐÒ Ò€à0 Ü àà0ÜË%ÜË%àà04Ë%Ë%àà0` 4Ë%4Ë%àà0Œ ` Ë%` Ë%àà0¸ Œ Ë%Œ Ë%àwhich€shall€not€exceed€30€words.à€bË%¸ Ë%¸ Ë%àòòò òSee€also€12€CFR€Part€222,€App€BˆÐ f!¦! Ðà€dË%à70€Fed.€Reg.€33281€(06/15/04)ˆÐ L"Œ" ÐÌó óóóÒ° Òà0 Ü àà0Ü(#Ü(#àà04(#(#àà0` 4(#4(#à(ii)à0Œ ` (#` (#àòòà0¸ Œ (#Œ (#àUse€of€model€not€required.€€óóNo€provision€of€this€paragraph€shall€beÐ $X $ Ðconstrued€as€requiring€a€financial€institution€to€use€any€such€model€formÐ þ$>!% Ðprescribed€by€the€Board.Ðä%$"&¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà0` 4(#4(#à(iii)à0¸ ` (#` (#àòòCompliance€using€model.€€óóA€financial€institution€shall€be€deemed€to€be€inÐ °'ð#( Ðcompliance€with€subparagraph€(A)€if€the€financial€institution€uses€anyÐ –(Ö$) Ðsuch€model€form€prescribed€by€the€Board,€or€the€financial€institution€usesÐ |)¼%* Ðany€such€model€form€and€rearranges€its€format.Ðb*¢&+¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(E)à0Œ 4(#4(#àòòUse€of€notice€without€submitting€negative€information.€€óóNo€provision€of€thisÐ .,n(- Ðparagraph€shall€be€construed€as€requiring€a€financial€institution€that€hasÐ -T). Ðprovided€a€customer€with€a€notice€described€in€subparagraph€(A)€to€furnishÐ ú-:*/ Ðnegative€information€about€the€customer€to€a€consumer€reporting€agency.Ðà. +0Œ (#Œ (# Ðâ âÔ_Ôà Ü àà  àà 4 àà ` àà Œ àà ¸ àà ä àà  àà < àà h àà ” àà À àà ì àà  àà D àà p àà œ àà È àà ô àà  àÔ_ÔÐ Æ/,1 ÐÑ,„YGÑâ ,âѰÀÑÑÇÇÑâ ,âÑ  Ñà0 Ü àà0Ü(#Ü(#àà04(#(#à(F)à0` 4(#4(#àòòà0Œ ` (#` (#àSafe€harbor.€óó€A€financial€institution€shall€not€be€liable€for€failure€to€performÐ ° Ðâ âthe€duties€required€by€this€paragraph€if,€at€the€time€of€the€failure,€the€financialÐ –æ Ðinstitution€maintained€reasonable€policies€and€procedures€to€comply€with€thisÐ |Ì Ðparagraph€or€the€financial€institution€reasonably€believed€that€the€institution€isÐ b² Ðprohibited,€by€law,€from€contacting€the€consumer.ÐH˜Œ (#Œ (# ÐÌÒ„°Òà0 Ü àà0ÜT$ÜT$àà04T$T$à(G)à0Œ 4T$4T$àòòDefinitions.€óó€For€purposes€of€this€paragraph,€the€following€definitions€shall€apply:Ð dŒ T$Œ T$ ÐÒÏ„ÒÌà0 Ü àà0Ü $Ü $àà04 $ $àà0` 4 $4 $à(i)à0Œ ` $` $àà0¸ Œ $Œ $àThe€term€ð ðnegative€informationðð€means€information€concerning€a€cus‚tomer'sÐ à 0 Ðdelinquencies,€late€payments,€insolvency,€or€any€form€of€default.ÐÆ  ¸ $¸ $ ÐÌà0 Ü àà0Ü $Ü $àà04 $ $àà0` 4 $4 $à(ii)€à0¸ ` $` $àThe€terms€ð ðcustomerðð€and€ð ðfinancial€institutionðð€have€the€same€meanings€asÐ ’â  Ðin€section€509€Public€Law€106-102.ÐxÈ ¸ $¸ $ ÐÒ,ÏÒà Ü àà  àà 4 àà ` àà Œ àà ¸ àà ä àà  àà < àà h àà ” àà À àà ì àà  àà D àà p àà œ àà È àà ô àà  àà L àà x àà€ÆÆj¬&àà€@k÷&÷&÷&àòòò òSee€also€16€CFR€Part€660.4óóó óˆÐ ^®  Ðà Ü à€(8)€Ability€of€Consumer€to€Dispute€Information€Directly€with€Furnisher€òòò òà€òòg¬&à74€Fed.€Reg.€31484€(07/01/09)ˆÐ D”  Ðà€¬&¬&„¬&àà @Ü àà @ àà @4 àà @` àà @Œ àà @¸ àà @ä àà @ àà @< àà @h àà @” àà @À àà @ì àà @ àà @D àà @p àà @œ àà @È àà @ô àà @  àˆÌó óóóÒ°,Òà0 Ü àà0Ü(#Ü(#àà04(#(#à(A)€à0Œ 4(#4(#àòòIn€general.€€óóThe€Federal€banking€agencies,€the€National€Credit€Union€Ad‚minƒÐ ` Ðistration,€and€the€Commission€shall€jointly€prescribe€regulations€that€shallÐ öF Ðidentify€the€circumstances€under€which€a€furnisher€shall€be€required€toÐ Ü, Ðreinvestigate€a€dispute€concerning€the€accuracy€of€information€contained€in€aÐ Â Ðconsumer€report€on€the€consumer,€based€on€a€direct€request€of€a€consumer.ШøŒ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(B)à0Œ 4(#4(#àòòConsiderations.€óó€In€prescribing€regulations€under€subparagraph€(A),€the€agenƒÐ tÄ Ðcies€shall€weigh--ÐZªŒ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà0` 4(#4(#à(i)à0Œ ` (#` (#àà0¸ Œ (#Œ (#àthe€benefits€to€consumers€with€the€costs€on€furnishers€and€the€creditÐ &v Ðreporting€system;Ð \¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà0` 4(#4(#à(ii)€à0¸ ` (#` (#àthe€impact€on€the€overall€accuracy€and€integrity€of€consumer€reports€ofÐ Ø( Ðany€such€requirements;à ì àà  àà D àà p àà œ àà È àà ô àà  àà L àо¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà0` 4(#4(#à(iii)à0¸ ` (#` (#àwhether€direct€contact€by€the€consumer€with€the€furnisher€would€likelyÐ Š Ú Ðresult€in€the€most€expeditious€resolution€of€any€such€dispute;€andÐp!À ¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà0` 4(#4(#à(iv)à0¸ ` (#` (#àthe€potential€impact€on€the€credit€reporting€process€if€credit€repair€organiƒÐ <#Œ" Ðzations,€as€defined€in€section€403(3)€[15€U.S.C.€ðð1679a(3)],€includingÐ "$r# Ðentities€that€would€be€a€credit€repair€organization,€but€for€sectionÐ %X $ Ð403(3)(B)(i),€are€able€to€circumvent€the€prohibition€in€subparagraph€(G).Ðî%>!%¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àÔ_Ô(C)Ô_Ôà0Œ 4(#4(#àòòApplicability.€óó€Subparagraphs€(D)€through€(G)€shall€apply€in€any€circum‚stanceÐ º' #' Ðidentified€under€the€regulations€promulgated€under€subparagraph€(A).Р(ð#(Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(D)€òòà0Œ 4(#4(#àSubmitting€a€notice€of€dispute.€óó€A€consumer€who€seeks€to€dispute€the€accuracyÐ l*¼%* Ðof€information€shall€provide€a€dispute€notice€directly€to€such€person€at€theÐ R+¢&+ Ðaddress€specified€by€the€person€for€such€notices€that--Ð8,ˆ',Œ (#Œ (# ÐÌà Ü àà  àà 4 àà ` à(i)à0 Œ àà0¸ Œ (#Œ (#àidentifies€the€specific€information€that€is€being€disputed;Ð.T).¸ (#¸ (# ÐÌà Ü àà  àà 4 àà ` à(ii)à0 Œ àà0¸ Œ (#Œ (#àexplains€the€basis€for€the€dispute;€andÐÐ/ +0¸ (#¸ (# ÐÐ ¶0,1 ÐÑ1~HÑâ 1âѧÇÑѰ°Ñâ 1âÑ  Ñà0 Ü àà0Ü(#Ü(#àà04(#(#àà0` 4(#4(#à(iii)à0¸ ` (#` (#àincludes€all€supporting€documentation€required€by€the€furnisher€toÐ ° Ðsubstantiate€the€basis€of€the€dispute.Ð–æ¸ (#¸ (# Ðà Ü àà  àÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(E)€à0Œ 4(#4(#àòòDuty€of€person€after€receiving€notice€of€dispute.óó€After€receiving€a€notice€ofÐ b² Ðdispute€from€a€consumer€pursuant€to€subparagraph€(D),€the€person€thatÐ H˜ Ðprovided€the€information€in€dispute€to€a€consumer€reporting€agency€shallð!ðÐ. ~Œ (#Œ (# ÐÌà Ü àà  àà 4 àà ` à(i)à0 Œ àà0¸ Œ (#Œ (#àconduct€an€investigation€with€respect€to€the€disputed€information;Ðú J¸ (#¸ (# ÐÌà Ü àà  àà 4 àà ` à(ii)à0 Œ àà0¸ Œ (#Œ (#àreview€all€relevant€information€provided€by€the€consumer€with€the€notice;ÐÆ  ¸ (#¸ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà0` 4(#4(#à(iii)à0¸ ` (#` (#àcomplete€such€person's€investigation€of€the€dispute€and€report€the€resultsÐ ’â  Ðof€the€investigation€to€the€consumer€before€the€expiration€of€the€periodÐ xÈ  Ðunder€section€611(a)(1)€within€which€a€consumer€reporting€agency€wouldÐ ^®  Ðbe€required€to€complete€its€action€if€the€consumer€had€elected€to€disputeÐ D”  Ðthe€information€under€that€section;€andÐ*z ¸ (#¸ (# Ðà Ü àÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà0` 4(#4(#à(iv)à0¸ ` (#` (#àif€the€investigation€finds€that€the€information€reported€was€inaccurate,Ð öF Ðpromptly€notify€each€consumer€reporting€agency€to€which€the€personÐ Ü, Ðfurnished€the€inaccurate€information€of€that€determination€and€provide€toÐ Â Ðthe€agency€any€correction€to€that€information€that€is€necessary€to€make€theÐ ¨ø Ðinformation€provided€by€the€person€accurate.ÐŽÞ¸ (#¸ (# ÐÌà Ü àà  àà 4 à(F)€à0 Œ àFrivolous€or€Irrelevant€DisputeÐZªŒ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà0` 4(#4(#à(i)à0Œ ` (#` (#àòòà0¸ Œ (#Œ (#àIn€general.€€óóThis€paragraph€shall€not€apply€if€the€person€receiving€a€noticeÐ &v Ðof€a€dispute€from€a€consumer€reasonably€determines€that€the€dispute€isÐ  \ Ðfrivolous€or€irrelevant,€including--ÐòB¸ (#¸ (# ÐÌà0 Ü àà  àà 4 àà ` àà Œ à(I)à0¸ Ü(#Ü(#àà0ä ¸ (#¸ (#àby€reason€of€the€failure€of€a€consumer€to€provide€sufficientÐ ¾ Ðinformation€to€investigate€the€disputed€information;€orФôä (#ä (# ÐÌà0 Ü àà  àà 4 àà ` àà Œ à(II)à0ä Ü(#Ü(#àthe€submission€by€a€consumer€of€a€dispute€that€is€substantially€theÐ p!À  Ðsame€as€a€dispute€previously€submitted€by€or€for€the€consumer,€eitherÐ V"¦! Ðdirectly€to€the€person€or€through€a€consumer€reporting€agency€underÐ <#Œ" Ðsubsection€(b),€with€respect€to€which€the€person€has€already€performedÐ "$r# Ðthe€person's€duties€under€this€paragraph€or€subsection€(b),€asÐ %X $ Ðapplicable.Ðî%>!%ä (#ä (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#àà0` 4(#4(#à(ii)à0Œ ` (#` (#àòòà0¸ Œ (#Œ (#àNotice€of€determination.€óó€Upon€making€any€determination€under€clause€(i)Ð º' #' Ðthat€a€dispute€is€frivolous€or€irrelevant,€the€person€shall€notify€theÐ  (ð#( Ðconsumer€of€such€determination€not€later€than€5€business€days€afterÐ †)Ö$) Ðmaking€such€determination,€by€mail€or,€if€authorized€by€the€consumer€forÐ l*¼%* Ðthat€purpose,€by€any€other€means€available€to€the€person.ÐR+¢&+¸ (#¸ (# ÐÌà Ü àà  àà 4 àà ` à(iii)€òòà0 ¸ àContents€of€notice.€€óóA€notice€under€clause€(ii)€shall€include--Ð-n(-¸ (#¸ (# ÐÌà Ü àà  àà 4 àà ` àà Œ à(I)à0 ¸ àà0ä ¸ (#¸ (#àthe€reasons€for€the€determination€under€clause€(i);€andÐê.:*/ä (#ä (# ÐÑïcIÑâ âÑǧÑâ âÑ  ÑÌà0 Ü àà  àà 4 àà ` àà Œ à(II)à0ä Ü(#Ü(#àidentification€of€any€information€required€to€investigate€the€disputedÐ –æ Ðinformation,€which€may€consist€of€a€standardized€form€describing€theÐ |Ì Ðgeneral€nature€of€such€information.Ðb²ä (#ä (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(G)€òòà0Œ 4(#4(#àExclusion€of€credit€repair€organizations.€óó€This€paragraph€shall€not€apply€if€theÐ . ~ Ðnotice€of€the€dispute€is€submitted€by,€is€prepared€on€behalf€of€the€consumerÐ  d Ðby,€or€is€submitted€on€a€form€supplied€to€the€consumer€by,€a€credit€repairÐ ú J Ðorganization,€as€defined€in€section€403(3),€or€an€entity€that€would€be€a€creditÐ à 0 Ðrepair€organization,€but€for€section€403(3)(B)(i).ÐÆ  Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#à(9)à04(#(#àòòDuty€to€provide€notice€of€status€as€medical€information€furnisher.€€óóA€person€whoseÐ ’â  Ðprimary€business€is€providing€medical€services,€products,€or€devices,€or€the€person'sÐ xÈ  Ðagent€or€assignee,€who€furnishes€information€to€a€consumer€reporting€agency€on€aÐ ^®  Ðconsumer€shall€be€considered€a€medical€information€furnisher€for€purposes€of€thisÐ D”  Ðtitle,€and€shall€notify€the€agency€of€such€status.Ð*z 4(#4(# Ðà Ü àà  àà 4 àà ` àà Œ àà ¸ àà ä àÌà Ü à(b)à0  àDuties€of€Furnishers€of€Information€upon€Notice€of€Dispute€€ÐöF(#(# ÐÌ€€€€à Ü àà  à(1)à0 4 àòòIn€general.óó€€After€receiving€notice€pursuant€to€section€611(a)(2)€[ðð1681i]€of€a€disputeÐ Â Ðwith€regard€to€the€completeness€or€accuracy€of€any€information€provided€by€a€personÐ ¨ø Ðto€a€consumer€reporting€agency,€the€person€shall€€ÐŽÞ4(#4(# Ðà Ü àÌ€€€€à Ü àà0  àà04(#(#à(A)à0Œ 4(#4(#àconduct€an€investigation€with€respect€to€the€disputed€information;ÐZªŒ (#Œ (# ÐÌ€€€€à Ü à€€€€€à  àà0 4 à(B)à0Œ 4(#4(#àreview€all€relevant€information€provided€by€the€consumer€reporting€agencyÐ &v Ðpursuant€to€section€611(a)(2)€[ðð1681i];Ð \Œ (#Œ (# ÐÌà Ü à€€€€à  à€€€€€à0 4 àÔ_Ô(C)Ô_Ô€à0Œ 4(#4(#àreport€the€results€of€the€investigation€to€the€consumer€reporting€agency;€ÐØ(Œ (#Œ (# ÐÌ€€€€à Ü àà0  à€€€€à04(#(#à(D)à0Œ 4(#4(#àif€the€investigation€finds€that€the€information€is€incomplete€or€inaccurate,Ð ¤ô Ðreport€those€results€to€all€other€consumer€reporting€agencies€to€which€theÐ Š Ú Ðperson€furnished€the€information€and€that€compile€and€maintain€files€onÐ p!À  Ðconsumers€on€a€nationwide€basis;€andÐV"¦!Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà 4 à(E)à0Œ (#(#àif€an€item€of€information€disputed€by€a€consumer€is€found€to€be€inaccurate€orÐ "$r# Ðincomplete€or€cannot€be€verified€after€any€reinvestigation€under€paragraph€(1),Ð %X $ Ðfor€purposes€of€reporting€to€a€consumer€reporting€agency€only,€as€appropriate,Ð î%>!% Ðbased€on€the€results€of€the€reinvestigation€promptlyð!ðÐÔ&$"&Œ (#Œ (# ÐÌà Ü àà  àà 4 àà ` à(i)à0 Œ àà0¸ Œ (#Œ (#àmodify€that€item€of€information;Р(ð#(¸ (#¸ (# ÐÌà Ü àà  àà 4 àà ` à(ii)à0 Œ àà0¸ Œ (#Œ (#àdelete€that€item€of€information;€orÐl*¼%*¸ (#¸ (# ÐÌà Ü àà  àà 4 àà ` à(iii)à0 ¸ àpermanently€block€the€reporting€of€that€item€of€information.Ð8,ˆ',¸ (#¸ (# ÐÌà Ü à€€à  à(2)à0 4 àòòDeadline.€óó€A€person€shall€complete€all€investigations,€reviews,€and€reports€requiredÐ .T). Ðunder€paragraph€(1)€regarding€information€provided€by€the€person€to€a€consumerÐ ê.:*/ Ðâ âreporting€agency,€before€the€expiration€of€the€period€under€section€611(a)(1)Ð Ð/ +0 Ð[ðð1681i]€within€which€the€consumer€reporting€agency€is€required€to€complete€actionsÐ ° Ðrequired€by€that€section€regarding€that€information.Жæ4(#4(# Ðâ âà Ü àÌà0 Ü àÔ_Ô(c)Ô_Ôà0Ü(#Ü(#àòòLimitation€on€liability.€óó€Except€as€provided€in€section€621(c)(1)(B),€sections€616€and€617Ð b² Ðdo€not€apply€to€any€violation€of€ð!ð€ÐH˜(#(# ÐÌà Ü àà  à(1)€subsection€(a)€of€this€section,€including€any€regulations€issued€thereunder;Ð  d ÐÌà0 Ü àà0Ü(#Ü(#à(2)à04(#(#àsubsection€(e)€of€this€section,€except€that€nothing€in€this€paragraph€shall€limit,Ð à 0 Ðexpand,€or€otherwise€affect€liability€under€section€616€or€617,€as€applicable,€forÐ Æ   Ðviolations€of€subsection€(b)€of€this€section;€orЬ ü 4(#4(# ÐÌà Ü àà  à(3)€subsection€(e)€of€section€615.Ð xÈ  ÐÌà0 Ü à(d)à0Ü(#Ü(#àòòLimitation€on€enforcementóó.€€The€provisions€of€law€described€in€paragraphs€(1)€throughÐ D”  Ð(3)€of€subsection€Ô_Ô(c)Ô_Ô€(other€than€with€respect€to€the€exception€described€in€paragraph€(2)Ð *z  Ðof€subsection€Ô_Ô(c)Ô_Ô)€shall€be€enforced€exclusively€as€provided€under€section€621€by€theÐ ` ÐFederal€agencies€and€officials€and€the€State€officials€identified€in€section€621.ÐöF(#(# ÐÌà Ü à(e)€Accuracy€Guidelines€and€Regulations€Requiredà D àà p àà œ àà È àà ô àòòò òà  àà L àà€ØØ`(#àSee€also€16€CFR€Part€660ˆÐ  Ðó óóóà€nn[(#àòòò ò74€Fed.€Reg.€31484€(07/01/09)óóó óˆÐ ¨ø Ðà0 Ü àà0Ü(#Ü(#à(1)à04(#(#àòòGuidelines.€€óóThe€Federal€banking€agencies,€the€National€Credit€Union€AdministraƒÐ ŽÞ Ðtion,€and€the€Commission€shall,€with€respect€to€the€entities€that€are€subject€to€theirÐ tÄ Ðrespective€enforcement€authority€under€section€621,€and€in€coordination€as€describedÐ Zª Ðin€paragraph€(2)€ð!ð€Ð@4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(A)à0Œ 4(#4(#àestablish€and€maintain€guidelines€for€use€by€each€person€that€furnishesÐ  \ Ðinformation€to€a€consumer€reporting€agency€regarding€the€accuracy€andÐ òB Ðintegrity€of€the€information€relating€to€consumers€that€such€entities€furnish€toÐ Ø( Ðconsumer€reporting€agencies,€and€update€such€guidelines€as€often€asÐ ¾ Ðnecessary;€andФôŒ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(B)à0Œ 4(#4(#àprescribe€regulations€requiring€each€person€that€furnishes€information€to€aÐ p!À  Ðconsumer€reporting€agency€to€establish€reasonable€policies€and€procedures€forÐ V"¦! Ðimplementing€the€guidelines€established€pursuant€to€subparagraph€(A).Ð<#Œ"Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#à(2)à04(#(#àòòCoordination.€€óóEach€agency€required€to€prescribe€regulations€under€paragraph€(1)Ð %X $ Ðshall€consult€and€coordinate€with€each€other€such€agency€so€that,€to€the€extentÐ î%>!% Ðpossible,€the€regulations€prescribed€by€each€such€entity€are€consistent€and€comparableÐ Ô&$"& Ðwith€the€regulations€prescribed€by€each€other€such€agency.к' #'4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#à(3)à04(#(#àòòCriteria.€óó€In€developing€the€guidelines€required€by€paragraph€(1)(A),€the€agenciesÐ †)Ö$) Ðdescribed€in€paragraph€(1)€shall--Ðl*¼%*4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(A)à0Œ 4(#4(#àidentify€patterns,€practices,€and€specific€forms€of€activity€that€can€compromiseÐ 8,ˆ', Ðthe€accuracy€and€integrity€of€information€furnished€to€consumer€reportingÐ -n(- Ðagencies;Ð.T).Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(B)à0Œ 4(#4(#àreview€the€methods€(including€technological€means)€used€to€furnishÐ Ð/ +0 Ðinformation€relating€to€consumers€to€consumer€reporting€agencies;ж0,1Œ (#Œ (# ÐÑe„YKÑâ eâѰ°ÑÑÇÇÑâ eâÑ  ÑÌà0 Ü àà0Ü(#Ü(#àà04(#(#àÔ_Ô(C)Ô_Ôà0Œ 4(#4(#àdetermine€whether€persons€that€furnish€information€to€consumer€reportingÐ –æ Ðagencies€maintain€and€enforce€policies€to€assure€the€accuracy€and€integrity€ofÐ |Ì Ðinformation€furnished€to€consumer€reporting€agencies;€andÐb²Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(D)à0Œ 4(#4(#àexamine€the€policies€and€processes€that€persons€that€furnish€information€toÐ . ~ Ðconsumer€reporting€agencies€employ€to€conduct€reinvestigations€and€correctÐ  d Ðinaccurate€information€relating€to€consumers€that€has€been€furnished€toÐ ú J Ðconsumer€reporting€agencies.Ðà 0Œ (#Œ (# ÐÒX°Òòòò òà€¸¸[€%àSee€also€16€CFR€Parts€680,€698€Appx€CˆÐ Æ   Ðóóó ó€òòò òóóðð624.€Affiliate€sharingó ó€€[15€U.S.C.€ðð1681s„3]à€»»`€%àòòò ò72€Fed.€Reg.€61455„64€(10/30/07)ˆÐ ¬ ü  Ðó óóóÔ‡4^§”\X^¦Ô€Ô#†^¦X\4^§”€#Ôà€»»`€%àòòò ò74€Fed.€Reg.€22639„40€(05/14/09)óóó óà @Ü àà @ àà @4 àà @` àà @Œ àà @¸ àà @ä àà @ àà @< àà @h àà @” àà @À àà @ì àà @ àà @D àà @p àà€@»»`€%àòòò òóóó óˆÐ ’â  ÐÒ°XÒà Ü à(a)€Special€Rule€for€Solicitation€for€Purposes€of€Marketing€€€€òòò òóóó óÐ xÈ  ÐÌà Ü àà  à(1)à0 4 àòòNotice.€€óóAny€person€that€receives€from€another€person€related€to€it€by€commonÐ D”  Ðownership€or€affiliated€by€corporate€control€a€communication€of€information€thatÐ *z  Ðwould€be€a€consumer€report,€but€for€clauses€(i),€(ii),€and€(iii)€of€section€603(d)(2)(A),Ð ` Ðmay€not€use€the€information€to€make€a€solicitation€for€marketing€purposes€to€aÐ öF Ðconsumer€about€its€products€or€services,€unless--ÐÜ,4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(A)à0Œ 4(#4(#àit€is€clearly€and€conspicuously€disclosed€to€the€consumer€that€the€informationÐ ¨ø Ðmay€be€communicated€among€such€persons€for€purposes€of€making€suchÐ ŽÞ Ðsolicitations€to€the€consumer;€andÐtÄŒ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(B)à0Œ 4(#4(#àthe€consumer€is€provided€an€opportunity€and€a€simple€method€to€prohibit€theÐ @ Ðmaking€of€such€solicitations€to€the€consumer€by€such€person.Ð&vŒ (#Œ (# ÐÌà Ü àà  à(2)€Consumer€ChoiceÐ òB ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(A)à0Œ 4(#4(#àòòIn€general.€€óóThe€notice€required€under€paragraph€(1)€shall€allow€the€consumerÐ ¾ Ðthe€opportunity€to€prohibit€all€solicitations€referred€to€in€such€paragraph,€andÐ ¤ô Ðmay€allow€the€consumer€to€choose€from€different€options€when€electing€toÐ Š Ú Ðprohibit€the€sending€of€such€solicitations,€including€options€regarding€theÐ p!À  Ðtypes€of€entities€and€information€covered,€and€which€methods€of€deliveringÐ V"¦! Ðsolicitations€the€consumer€elects€to€prohibit.Ð<#Œ"Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(B)€òòà0Œ 4(#4(#àFormat.€€óóNotwithstanding€subparagraph€(A),€the€notice€required€underÐ %X $ Ðparagraph€(1)€shall€be€clear,€conspicuous,€and€concise,€and€any€methodÐ î%>!% Ðprovided€under€paragraph€(1)(B)€shall€be€simple.€The€regulations€prescribedÐ Ô&$"& Ðto€implement€this€section€shall€provide€specific€guidance€regarding€how€toÐ º' #' Ðcomply€with€such€standards.Р(ð#(Œ (#Œ (# ÐÌà Ü àà  à(3)à0 4 àDurationÐl*¼%*4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(A)à0Œ 4(#4(#àòòIn€general.€€óóThe€election€of€a€consumer€pursuant€to€paragraph€(1)(B)€to€proƒÐ 8,ˆ', Ðhibit€the€making€of€solicitations€shall€be€effective€for€at€least€5€years,Ð -n(- Ðbeginning€on€the€date€on€which€the€person€receives€the€election€of€theÐ .T). Ðconsumer,€unless€the€consumer€requests€that€such€election€be€revoked.à Ð àà ü! àà @ü! àà @ü! àà @ü! àÐê.:*/Œ (#Œ (# Ðâ âÐ Ð/ +0 ÐÑ>ªœLÑâ >âÑÑÑH°ÑÑÇÇÑâ >âÑ  Ñà0 Ü àà0Ü(#Ü(#àà04(#(#à(B)€òòà0Œ 4(#4(#àNotice€upon€expiration€of€effective€periodóó.€€At€such€time€as€the€election€of€aÐ H Ðâ âconsumer€pursuant€to€paragraph€(1)(B)€is€no€longer€effective,€a€person€mayÐ .æ Ðnot€use€information€that€the€person€receives€in€the€manner€described€inÐ Ì Ðparagraph€(1)€to€make€any€solicitation€for€marketing€purposes€to€theÐ ú² Ðconsumer,€unless€the€consumer€receives€a€notice€and€an€opportunity,€using€aÐ à˜ Ðsimple€method,€to€extend€the€opt-out€for€another€period€of€at€least€5€years,Ð Æ~ Ðpursuant€to€the€procedures€described€in€paragraph€(1).ЬdŒ (#Œ (# Ðà Ü àÌà Ü àà  à(4)€òòScope.€€óóThis€section€shall€not€apply€to€a€personð!ðà p àà œ àà È àà ô àà  àÐ x 0 ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(A)à0Œ 4(#4(#àusing€information€to€make€a€solicitation€for€marketing€purposes€to€a€consumerÐ D ü  Ðwith€whom€the€person€has€a€pre-existing€business€relationship;Ð* â Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(B)à0Œ 4(#4(#àusing€information€to€facilitate€communications€to€an€individual€for€whoseÐ ö®  Ðbenefit€the€person€provides€employee€benefit€or€other€services€pursuant€to€aÐ Ü”  Ðcontract€with€an€employer€related€to€and€arising€out€of€the€currentÐ Âz  Ðemployment€relationship€or€status€of€the€individual€as€a€participant€orÐ ¨` Ðbeneficiary€of€an€employee€benefit€plan;ÐŽFŒ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(C)à0Œ 4(#4(#àusing€information€to€perform€services€on€behalf€of€another€person€related€byÐ Z Ðcommon€ownership€or€affiliated€by€corporate€control,€except€that€thisÐ @ø Ðsubparagraph€shall€not€be€construed€as€permitting€a€person€to€sendÐ &Þ Ðsolicitations€on€behalf€of€another€person,€if€such€other€person€would€not€beÐ  Ä Ðpermitted€to€send€the€solicitation€on€its€own€behalf€as€a€result€of€the€electionÐ òª Ðof€the€consumer€to€prohibit€solicitations€under€paragraph€(1)(B);ÐØŒ (#Œ (# ÐÌà Ü àà  àà 4 à(D)à0 Œ àusing€information€in€response€to€a€communication€initiated€by€the€consumer;Ф\Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(E)€à0Œ 4(#4(#àusing€information€in€response€to€solicitations€authorized€or€requested€by€theÐ p( Ðconsumer;€orÐVŒ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(F)à0` 4(#4(#àà0Œ ` (#` (#àif€compliance€with€this€section€by€that€person€would€prevent€compliance€byÐ "Ú Ðthat€person€with€any€provision€of€State€insurance€laws€pertaining€to€unfairÐ  À  Ðdiscrimination€in€any€State€in€which€the€person€is€lawfully€doing€business.Ðî ¦!Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#à(5)à04(#(#àòòNo€retroactivityóó.€€This€subsection€shall€not€prohibit€the€use€of€information€to€send€aÐ º"r# Ðsolicitation€to€a€consumer€if€such€information€was€received€prior€to€the€date€on€whichÐ  #X $ Ðpersons€are€required€to€comply€with€regulations€implementing€this€subsection.І$>!%4(#4(# ÐÌà Ü à(b)à0  àòòNotice€for€other€purposes€permissible.€óó€A€notice€or€other€disclosure€under€this€sectionÐ R& #' Ðmay€be€coordinated€and€consolidated€with€any€other€notice€required€to€be€issued€underÐ 8'ð#( Ðany€other€provision€of€law€by€a€person€that€is€subject€to€this€section,€and€a€notice€or€otherÐ (Ö$) Ðdisclosure€that€is€equivalent€to€the€notice€required€by€subsection€(a),€and€that€is€providedÐ )¼%* Ðby€a€person€described€in€subsection€(a)€to€a€consumer€together€with€disclosures€requiredÐ ê)¢&+ Ðby€any€other€provision€of€law,€shall€satisfy€the€requirements€of€subsection€(a).ÐÐ*ˆ',(#(# ÐÌà0 Ü à(c)à0Ü(#Ü(#àòòUser€requirements.€óó€Requirements€with€respect€to€the€use€by€a€person€of€informationÐ œ,T). Ðreceived€from€another€person€related€to€it€by€common€ownership€or€affiliated€byÐ ‚-:*/ Ðcorporate€control,€such€as€the€requirements€of€this€section,€constitute€requirements€withÐ h. +0 Ðrespect€to€the€exchange€of€information€among€persons€affiliated€by€common€ownershipÐ N/,1 Ðor€common€corporate€control,€within€the€meaning€of€section€625(b)(2).Ð40ì,2(#(# ÐÑ‚OYMÑâ ‚âѰHÑâ ‚âÑ  Ñà Ü àÌà Ü à(d)€òòDefinitions.€€óóFor€purposes€of€this€section,€the€following€definitions€shall€apply:Ð –æ ÐÌà0 Ü àà0Ü(#Ü(#à(1)à04(#(#àThe€term€ð ðpre-existing€business€relationshipðð€means€a€relationship€between€a€person,Ð b² Ðor€a€person's€licensed€agent,€and€a€consumer,€based€onÔ_Ô--Ô_ÔÐH˜4(#4(# Ðà Ü àà  àÌà Ü àà  àà 4 à(A)à0 Œ àa€financial€contract€between€a€person€and€a€consumer€which€is€in€force;Ð dŒ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(B)à0Œ 4(#4(#àthe€purchase,€rental,€or€lease€by€the€consumer€of€that€person's€goods€orÐ à 0 Ðservices,€or€a€financial€transaction€(including€holding€an€active€account€or€aÐ Æ   Ðpolicy€in€force€or€having€another€continuing€relationship)€between€theÐ ¬ ü  Ðconsumer€and€that€person€during€the€18-month€period€immediately€precedingÐ ’â  Ðthe€date€on€which€the€consumer€is€sent€a€solicitation€covered€by€this€section;ÐxÈ Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(C)à0Œ 4(#4(#àan€inquiry€or€application€by€the€consumer€regarding€a€product€or€serviceÐ D”  Ðoffered€by€that€person,€during€the€3-month€period€immediately€preceding€theÐ *z  Ðdate€on€which€the€consumer€is€sent€a€solicitation€covered€by€this€section;€orÐ`Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(D)à0Œ 4(#4(#àany€other€pre-existing€customer€relationship€defined€in€the€regulationsÐ Ü, Ðimplementing€this€section.ÐÂŒ (#Œ (# ÐÌà Ü àà  à(2)à0 4 àThe€term€ð ðsolicitationðð€means€the€marketing€of€a€product€or€service€initiated€by€aÐ ŽÞ Ðperson€to€a€particular€consumer€that€is€based€on€an€exchange€of€information€describedÐ tÄ Ðin€subsection€(a),€and€is€intended€to€encourage€the€consumer€to€purchase€such€productÐ Zª Ðor€service,€but€does€not€include€communications€that€are€directed€at€the€generalÐ @ Ðpublic€or€determined€not€to€be€a€solicitation€by€the€regulations€prescribed€under€thisÐ &v Ðsection.Ð \4(#4(# ÐÌò òðð€625.€€Relation€to€State€laws€ó ó€[15€U.S.C.€ðð1681t]ò òÐ Ø( ÐÌó ó€€à Ü à(a)òòà0  àIn€general.€óó€Except€as€provided€in€subsections€(b)€and€(c),€this€title€does€not€annul,€alter,Ð ¤ô Ðaffect,€or€exempt€any€person€subject€to€the€provisions€of€this€title€from€complying€withÐ Š Ú Ðthe€laws€of€any€State€with€respect€to€the€collection,€distribution,€or€use€of€any€informationÐ p!À  Ðon€consumers,€or€for€the€prevention€or€mitigation€of€identity€theft,€except€to€the€extentÐ V"¦! Ðthat€those€laws€are€inconsistent€with€any€provision€of€this€title,€and€then€only€to€the€extentÐ <#Œ" Ðof€the€inconsistency.€€€Ð"$r#(#(# ÐÌà Ü à(b)à0  àòòGeneral€exceptions.€€óóNo€requirement€or€prohibition€may€be€imposed€under€the€laws€ofÐ î%>!% Ðany€State€€ÐÔ&$"&(#(# ÐÌ€€€à Ü àà  à(1)à0 4 àwith€respect€to€any€subject€matter€regulated€under€€Ð (ð#(4(#4(# ÐÌ€€€€à Ü àà0  àà04(#(#à(A)à0Œ 4(#4(#àsubsection€(c)€or€(e)€of€section€604€[ðð1681b],€relating€to€the€prescreening€ofÐ l*¼%* Ðconsumer€reports;ÐR+¢&+Œ (#Œ (# ÐÌ€€€€à Ü à€€€€€à0  àà04(#(#à(B)à0Œ 4(#4(#àsection€611€[ðð1681i],€relating€to€the€time€by€which€a€consumer€reportingÐ -n(- Ðagency€must€take€any€action,€including€the€provision€of€notification€to€aÐ .T). Ðconsumer€or€other€person,€in€any€procedure€related€to€the€disputed€accuracy€ofÐ ê.:*/ Ðâ âinformation€in€a€consumer's€file,€except€that€this€subparagraph€shall€not€applyÐ Ð/ +0 ÐÑc¥$NÑâ câѰ°ÑÑ Ñâ câÑ  Ñto€any€State€law€in€effect€on€the€date€of€enactment€of€the€Consumer€CreditÐ ° ÐReporting€Reform€Act€of€1996;Ð–æŒ (#Œ (# Ðâ âÌ€€à Ü à€€€€€à0  àà04(#(#àÔ_Ô(C)Ô_Ôà0Œ 4(#4(#àsubsections€(a)€and€(b)€of€section€615€[ðð1681m],€relating€to€the€duties€of€aÐ b² Ðperson€who€takes€any€adverse€action€with€respect€to€a€consumer;ÐH˜Œ (#Œ (# ÐÌà Ü àà  àà 4 à(D)€à0 Œ àsection€615(d)€[ðð1681m],€relating€to€the€duties€of€persons€who€use€aÐ  d Ðconsumer€report€of€a€consumer€in€connection€with€any€credit€or€insuranceÐ ú J Ðtransaction€that€is€not€initiated€by€the€consumer€and€that€consists€of€a€firmÐ à 0 Ðoffer€of€credit€or€insurance;ÐÆ  Œ (#Œ (# ÐÌ€€€€à Ü à€€€€€à0  àà04(#(#à(E)à0Œ 4(#4(#àsection€605€[ðð1681c],€relating€to€information€contained€in€consumer€reports,Ð ’â  Ðexcept€that€this€subparagraph€shall€not€apply€to€any€State€law€in€effect€on€theÐ xÈ  Ðdate€of€enactment€of€the€Consumer€Credit€Reporting€Reform€Act€of€1996;€Ð^® Œ (#Œ (# ÐÌà Ü àà  àà 4 à(F)à0 ` àà0Œ ` (#` (#àsection€623€[ðð1681s„2],€relating€to€the€responsibilities€of€persons€who€furnishÐ *z  Ðinformation€to€consumer€reporting€agencies,€except€that€this€paragraph€shallÐ ` Ðnot€apply€€ÐöFŒ (#Œ (# ÐÌ€€€€à Ü àà  àà0 4 àà0` 4(#4(#à(i)à0Œ ` (#` (#àà0¸ Œ (#Œ (#àwith€respect€to€section€54A(a)€of€chapter€93€of€the€MassachusettsÐ Â ÐAnnotated€Laws€(as€in€effect€on€the€date€of€enactment€of€the€ConsumerÐ ¨ø ÐCredit€Reporting€Reform€Act€of€1996);€orÐŽÞ¸ (#¸ (# ÐÌà Ü àà  àà 4 àà ` à(ii)à0 Œ àà0¸ Œ (#Œ (#àwith€respect€to€section€1785.25(a)€of€the€California€Civil€Code€(as€inÐ Zª Ðeffect€on€the€date€of€enactment€of€the€Consumer€Credit€Reporting€ReformÐ @ ÐAct€of€1996);Ð&v¸ (#¸ (# ÐÌÒ°Òà Ü àà  àà 4 à(G)€à0 Œ àsection€609(e),€relating€to€information€available€to€victims€under€section€609(e);ÐòBŒ ¾#Œ ¾# ÐÌÒ°Òà Ü àà  àà 4 à(H)€à0 Œ àsection€624,€relating€to€the€exchange€and€use€of€information€to€make€aÐ ¾ Ðsolicitation€for€marketing€purposes;€or€ò òó óФôŒ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(I)à0` 4(#4(#àà0Œ ` (#` (#àsection€615(h),€relating€to€the€duties€of€users€of€consumer€reports€to€provideÐ p!À  Ðnotice€with€respect€to€terms€in€certain€credit€transactions;òòóóÐV"¦!Œ (#Œ (# Ѐ€€Ð <#Œ" Ðà0 Ü àà  à(2)à04Ü(#Ü(#àwith€respect€to€the€exchange€of€information€among€persons€affiliated€by€commonÐ "$r# Ðownership€or€common€corporate€control,€except€that€this€paragraph€shall€not€applyÐ %X $ Ðwith€respect€to€subsection€(a)€or€(c)(1)€of€section€2480e€of€title€9,€Vermont€StatutesÐ î%>!% ÐAnnotated€(as€in€effect€on€the€date€of€enactment€of€the€Consumer€Credit€ReportingÐ Ô&$"& ÐReform€Act€of€1996);€Ðº' #'4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#à(3)à04(#(#àwith€respect€to€the€disclosures€required€to€be€made€under€subsection€(c),€(d),€(e),€orÐ †)Ö$) Ð(g)€of€section€609,€or€subsection€(f)€of€section€609€relating€to€the€disclosure€of€creditÐ l*¼%* Ðscores€for€credit€granting€purposes,€except€that€this€paragraph--ÐR+¢&+4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(A)€à0Œ 4(#4(#àshall€not€apply€with€respect€to€sections€1785.10,€1785.16,€and€1785.20.2€ofÐ -n(- Ðthe€California€Civil€Code€(as€in€effect€on€the€date€of€enactment€of€the€Fair€andÐ .T). ÐAccurate€Credit€Transactions€Act€of€2003)€and€section€1785.15€throughÐ ê.:*/ Ðsection€1785.15.2€of€such€Code€(as€in€effect€on€such€date);ÐÐ/ +0Œ (#Œ (# ÐуnOÑâ âÑÇÇÑѰ°Ñâ âÑ  ÑÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(B)€à0Œ 4(#4(#àshall€not€apply€with€respect€to€sections€5-3-106(2)€and€212-14.3-104.3€of€theÐ –æ ÐColorado€Revised€Statutes€(as€in€effect€on€the€date€of€enactment€of€the€FairÐ |Ì Ðand€Accurate€Credit€Transactions€Act€of€2003);€andÐb²Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(C)€à0Œ 4(#4(#àshall€not€be€construed€as€limiting,€annulling,€affecting,€or€superseding€anyÐ . ~ Ðprovision€of€the€laws€of€any€State€regulating€the€use€in€an€insurance€activi‚ty,Ð  d Ðor€regulating€disclosures€concerning€such€use,€of€a€credit-based€insur‚anceÐ ú J Ðscore€of€a€consumer€by€any€person€engaged€in€the€business€of€insurance;Ðà 0Œ (#Œ (# Ðà Ü àÌà0 Ü àà0Ü(#Ü(#à(4)à04(#(#àwith€respect€to€the€frequency€of€any€disclosure€under€section€612(a),€except€that€thisÐ ¬ ü  Ðparagraph€shall€not€applyð!ðÐ’â 4(#4(# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(A)à0Œ 4(#4(#àwith€respect€to€section€12-14.3-105(1)(d)€of€the€Colorado€Revised€Statutes€(asÐ ^®  Ðin€effect€on€the€date€of€enactment€of€the€Fair€and€Accurate€CreditÐ D”  ÐTransactions€Act€of€2003);Ð*z Œ (#Œ (# ÐÌÒ°Òà0 Ü àà0ܾ#ܾ#àà04¾#¾#à(B)à0Œ 4¾#4¾#àwith€respect€to€section€10-1-393(29)(C)€of€the€Georgia€Code€(as€in€effect€on€theÐ öF Ðdate€of€enactment€of€the€Fair€and€Accurate€Credit€Transactions€Act€of€2003);ÐÜ,Œ ¾#Œ ¾# ÐÒ°ÒÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(C)à0Œ 4(#4(#àwith€respect€to€section€1316.2€of€title€10€of€the€Maine€Revised€Statutes€(as€inÐ ¨ø Ðeffect€on€the€date€of€enactment€of€the€Fair€and€Accurate€Credit€TransactionsÐ ŽÞ ÐAct€of€2003);ÐtÄŒ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(D)à0Œ 4(#4(#àwith€respect€to€sections€14-1209(a)(1)€and€14-1209(b)(1)(i)€of€theÐ @ ÐCommercial€Law€Article€of€the€Code€of€Maryland€(as€in€effect€on€the€date€ofÐ &v Ðenactment€of€the€Fair€and€Accurate€Credit€Transactions€Act€of€2003);Ð \Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(E)€à0Œ 4(#4(#àwith€respect€to€section€59(d)€and€section€59(e)€of€chapter€93€of€the€GeneralÐ Ø( ÐLaws€of€Massachusetts€(as€in€effect€on€the€date€of€enactment€of€the€Fair€andÐ ¾ ÐAccurate€Credit€Transactions€Act€of€2003);ФôŒ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(F)à0` 4(#4(#àà0Œ ` (#` (#àwith€respect€to€section€56:11-37.10(a)(1)€of€the€New€Jersey€Revised€StatutesÐ p!À  Ð(as€in€effect€on€the€date€of€enactment€of€the€Fair€and€Accurate€CreditÐ V"¦! ÐTransactions€Act€of€2003);€or€Ð<#Œ"Œ (#Œ (# ÐÌà0 Ü àà0Ü(#Ü(#àà04(#(#à(G)à0Œ 4(#4(#àwith€respect€to€section€2480c(a)(1)€of€title€9€of€the€Vermont€StatutesÐ %X $ ÐAnnotated€(as€in€effect€on€the€date€of€enactment€of€the€Fair€and€AccurateÐ î%>!% ÐCredit€Transactions€Act€of€2003);ò òó ó€orÐÔ&$"&Œ (#Œ (# Ðà Ü àÌà Ü àà  à(5)€€with€respect€to€the€conduct€required€by€the€specific€provisions€of--Ð  (ð#( ÐÌà Ü àà  àà 4 à(A)€à0 Œ àsection€605(g);Ðl*¼%*Œ (#Œ (# ÐÌà Ü àà  àà 4 à(B)€à0 Œ àsection€605A;Ð8,ˆ',Œ (#Œ (# ÐÌà Ü àà  àà 4 àÔ_Ô(C)Ô_Ô€à0 Œ àsection€605B;Ð.T).Œ (#Œ (# ÐÌà Ü àà  àà 4 à(D)€à0 Œ àsection€609(a)(1)(A);ÐÐ/ +0Œ (#Œ (# ÐÑ5ýPÑâ 5âÑÇÇÑѰ°Ñâ 5âÑ  ÑÌà Ü àà  àà 4 à(E)€à0 Œ àsection€612(a);Ð–æŒ (#Œ (# ÐÌà Ü àà  àà 4 à(F)€à0 Œ àsubsections€(e),€(f),€and€(g)€of€section€615;Ðb²Œ (#Œ (# ÐÌà Ü àà  àà 4 à(G)€à0 Œ àsection€621(f);Ð. ~Œ (#Œ (# ÐÌà Ü àà  àà 4 à(H)€à0 Œ àsection€623(a)(6);€orÐú JŒ (#Œ (# ÐÌà Ü àà  àà 4 à(I)€à0 Œ àsection€628.ò òó óÐÆ  Œ (#Œ (# Ѐ€€à Ü àÐ ¬ ü  Ðà0 Ü àà ° à€€€à Ü à(c)à0Ü(#Ü(#àòòDefinition€of€firm€offer€of€credit€or€insurance.€óó€Notwithstanding€any€definition€of€theÐ ’â  Ðterm€ð ðfirm€offer€of€credit€or€insuranceðð€(or€any€equivalent€term)€under€the€laws€of€anyÐ xÈ  ÐState,€the€definition€of€that€term€contained€in€section€603(òòlóó)€[ðð1681a]€shall€be€construedÐ ^®  Ðto€apply€in€the€enforcement€and€interpretation€of€the€laws€of€any€State€governingÐ D”  Ðconsumer€reports.Ð*z (#(# ÐÌ€à Ü à(d)à0  àòòLimitations.€€óóSubsections€(b)€and€(c)€do€not€affect€any€settlement,€agreement,€or€consentÐ öF Ðjudgment€between€any€State€Attorney€General€and€any€consumer€€reporting€agency€inÐ Ü, Ðeffect€on€the€date€of€enactment€of€the€Consumer€Credit€Reporting€Reform€Act€of€1996.ÐÂ(#(# Ðò òÌðð€626.€€Disclosures€to€FBI€for€counterintelligence€purposesó ó€[15€U.S.C.€ðð1681u]ò ò€ó óÐ ŽÞ ÐÌà Ü à(a)à0  àòòIdentity€of€financial€institutions.€óó€Notwithstanding€section€604€[ðð1681b]€or€any€otherÐ Zª Ðprovision€of€this€title,€a€consumer€reporting€agency€shall€furnish€to€the€Federal€Bureau€ofÐ @ ÐInvestigation€the€names€and€addresses€of€all€financial€institutions€(as€that€term€is€definedÐ &v Ðin€section€1101€of€the€Right€to€Financial€Privacy€Act€of€1978€[12€U.S.C.€ðð€3401])€atÐ  \ Ðwhich€a€consumer€maintains€or€has€maintained€an€account,€to€the€extent€that€informationÐ òB Ðis€in€the€files€of€the€agency,€when€presented€with€a€written€request€for€that€information,Ð Ø( Ðsigned€by€the€Director€of€the€Federal€Bureau€of€Investigation,€or€the€Director's€Ô‡X¦XX^¦ÔdesigneeÐ ¾ ÐÔ‡X¦XXX¦Ôin€a€position€not€lower€than€Deputy€Assistant€Director€at€Bureau€headquarters€or€aÐ ¤ô ÐSpecial€Agent€in€Charge€of€a€Bureau€field€office€designated€by€the€DirectorÔ#†X¦XXX¦!l#Ô,€whichÐ Š Ú ÐÔ#†^¦XXX¦åk#Ôcertifies€compliance€with€this€section.€The€Director€or€the€Director's€designee€may€makeÐ p!À  Ðsuch€a€certification€only€if€the€Director€or€the€Director's€designee€has€determined€inÐ V"¦! Ðwriting,€that€such€information€is€sought€for€the€conduct€of€an€authorized€investigation€toÐ <#Œ" Ðprotect€against€international€terrorism€or€clandestine€intelligence€activities,€provided€thatÐ "$r# Ðsuch€an€investigation€of€a€United€States€person€is€not€conducted€solely€upon€the€basis€ofÐ %X $ Ðactivities€protected€by€the€first€amendment€to€the€Constitution€of€the€United€States.Ðî%>!%(#(# ÐÌà Ü à(b)à0  àòòIdentifying€information.óó€€Notwithstanding€the€provisions€of€section€604€[ðð1681b]€or€anyÐ º' #' Ðother€provision€of€this€title,€a€consumer€reporting€agency€shall€furnish€identifyingÐ  (ð#( Ðinformation€respecting€a€consumer,€limited€to€name,€address,€former€addresses,€places€ofÐ †)Ö$) Ðemployment,€or€former€places€of€employment,€to€the€Federal€Bureau€of€InvestigationÐ l*¼%* Ðwhen€presented€with€a€written€request,€signed€by€the€Director€or€the€Director's€designee,Ð R+¢&+ Ðwhich€certifies€compliance€with€this€subsection.€The€Director€or€the€Director's€designeeÐ 8,ˆ', Ðin€a€position€not€lower€than€Deputy€Assistant€Director€at€Bureau€headquarters€or€aÐ -n(- ÐSpecial€Agent€in€Charge€of€a€Bureau€field€office€designated€by€the€Director€may€makeÐ .T). Ðsuch€a€certification€only€if€the€Director€or€the€Director's€designee€has€determined€inÐ ê.:*/ Ðwriting€that€such€information€is€sought€for€the€conduct€of€an€authorized€investigation€toÐ Ð/ +0 Ðprotect€against€international€terrorism€or€clandestine€intelligence€activities,€provided€thatÐ ° Ðsuch€an€investigation€of€a€United€States€person€is€not€conducted€solely€upon€the€basis€ofÐ –æ Ðactivities€protected€by€the€first€amendment€to€the€Constitution€of€the€United€States.Ð|Ì(#(# ÐÌ€€à Ü à(c)à0  àòòCourt€order€for€disclosure€of€consumer€reports.óó€€Notwithstanding€section€604€[ðð1681b]Ð H˜ Ðor€any€other€provision€of€this€title,€if€requested€in€writing€by€the€Director€of€the€FederalÐ . ~ ÐBureau€of€Investigation,€or€a€designee€of€the€Director€in€a€position€not€lower€than€DeputyÐ  d ÐAssistant€Director€at€Bureau€headquarters€or€a€Special€Agent€in€Charge€of€a€Bureau€fieldÐ ú J Ðoffice€designated€by€the€Director,€a€court€may€issue€an€order€ex€parte€directing€aÐ à 0 Ðconsumer€reporting€agency€to€furnish€a€consumer€report€to€the€Federal€Bureau€ofÐ Æ   ÐInvestigation,€upon€a€showing€in€camera€that€the€consumer€report€is€sought€for€theÐ ¬ ü  Ðconduct€of€an€authorized€investigation€to€protect€against€international€terrorism€orÐ ’â  Ðclandestine€intelligence€activities,€provided€that€such€an€investigation€of€a€United€StatesÐ xÈ  Ðperson€is€not€conducted€solely€upon€the€basis€of€activities€protected€by€the€firstÐ ^®  Ðamendment€to€the€Constitution€of€the€United€States.€€The€terms€of€an€order€issued€underÐ D”  Ðthis€subsection€shall€not€disclose€that€the€order€is€issued€for€purposes€of€aÐ *z  Ðcounterintelligence€investigation.€ò òó óÐ`(#(# ÐÌÒe°Ò€€€à Ü à(d)à0  àòòConfidentiality.óó€€No€consumer€reporting€agency€or€officer,€employee,€or€agent€of€aÐ Ü, Ðconsumer€reporting€agency€shall€disclose€to€any€person,€other€than€those€officers,Ð Â Ðemployees,€or€agents€of€a€consumer€reporting€agency€necessary€to€fulfill€the€requirementÐ ¨ø Ðto€disclose€information€to€the€Federal€Bureau€of€Investigation€under€this€section,€that€theÐ ŽÞ ÐFederal€Bureau€of€Investigation€has€sought€or€obtained€the€identity€of€financial€institu‚tionsÐ tÄ Ðor€a€consumer€report€respecting€any€consumer€under€subsection€(a),€(b),€or€(c),€and€noÐ Zª Ðconsumer€reporting€agency€or€officer,€employee,€or€agent€of€a€consumer€reporting€agencyÐ @ Ðshall€include€in€any€consumer€report€any€information€that€would€indicate€that€the€FederalÐ &v ÐBureau€of€Investigation€has€sought€or€obtained€such€information€or€a€consumer€report.Ð \s#s# ÐÌÒ°eÒ€€€à Ü à(e)òòà0  àPayment€of€fees.óó€€The€Federal€Bureau€of€Investigation€shall,€subject€to€the€availability€ofÐ Ø( Ðappropriations,€pay€to€the€consumer€reporting€agency€assembling€or€providing€report€orÐ ¾ Ðinformation€in€accordance€with€procedures€established€under€this€section€a€fee€forÐ ¤ô Ðreimbursement€for€such€costs€as€are€reasonably€necessary€and€which€have€been€directlyÐ Š Ú Ðincurred€in€searching,€reproducing,€or€transporting€books,€papers,€records,€or€other€dataÐ p!À  Ðrequired€or€requested€to€be€produced€under€this€section.ÐV"¦!(#(# ÐÌà Ü à(f)à0  àòòLimit€on€dissemination.óó€€The€Federal€Bureau€of€Investigation€may€not€disseminateÐ "$r# Ðinformation€obtained€pursuant€to€this€section€outside€of€the€Federal€Bureau€ofÐ %X $ ÐInvestigation,€except€to€other€Federal€agencies€as€may€be€necessary€for€the€approval€orÐ î%>!% Ðconduct€of€a€foreign€counterintelligence€investigation,€or,€where€the€informationÐ Ô&$"& Ðconcerns€a€person€subject€to€the€Uniform€Code€of€Military€Justice,€to€appropriateÐ º' #' Ðinvestigative€authorities€within€the€military€department€concerned€as€may€be€necessaryÐ  (ð#( Ðfor€the€conduct€of€a€joint€foreign€counterintelligence€investigation.І)Ö$)(#(# ÐÌ€€€à Ü à(g)à0  àòòRules€of€construction.€óó€Nothing€in€this€section€shall€be€construed€to€prohibit€informationÐ R+¢&+ Ðfrom€being€furnished€by€the€Federal€Bureau€of€Investigation€pursuant€to€a€subpoena€orÐ 8,ˆ', Ðcourt€order,€in€connection€with€a€judicial€or€administrative€proceeding€to€enforce€theÐ -n(- Ðprovisions€of€this€Act.€€Nothing€in€this€section€shall€be€construed€to€authorize€or€permitÐ .T). Ðthe€withholding€of€information€from€the€Congress.Ðê.:*/(#(# ÐÐ Ð/ +0 ÐÑÃ/ORÑâ ÃâÑ–ÇÑѰ°Ñâ ÃâÑ  Ñ€€€à Ü à(h)à0  àòòReports€to€Congress.€óó€On€a€semiannual€basis,€the€Attorney€General€shall€fully€inform€theÐ ° ÐPermanent€Select€Committee€on€Intelligence€and€the€Committee€on€Banking,€FinanceÐ –æ Ðand€Urban€Affairs€of€the€House€of€Representatives,€and€the€Select€Committee€onÐ |Ì ÐIntelligence€and€the€Committee€on€Banking,€Housing,€and€Urban€Affairs€of€the€SenateÐ b² Ðconcerning€all€requests€made€pursuant€to€subsections€(a),€(b),€and€(c).ÐH˜(#(# Ðà@ììDìàˆÌ€€à Ü à(i)à0  àòòDamages.€óó€Any€agency€or€department€of€the€United€States€obtaining€or€disclosing€anyÐ  d Ðconsumer€reports,€records,€or€information€contained€therein€in€violation€of€this€section€isÐ ú J Ðliable€to€the€consumer€to€whom€such€consumer€reports,€records,€or€information€relate€inÐ à 0 Ðan€amount€equal€to€the€sum€of€€€ÐÆ  (#(# ÐÌ€€€à Ü àà  à(1)à0 4 à$100,€without€regard€to€the€volume€of€consumer€reports,€records,€or€informationÐ ’â  Ðinvolved;ÐxÈ 4(#4(# ÐÌ€€€à Ü àà  à(2)à0 4 àany€actual€damages€sustained€by€the€consumer€as€a€result€of€the€disclosure;ÐD” 4(#4(# ÐÌ€€à Ü àà  à(3)à0 4 àif€the€violation€is€found€to€have€been€willful€or€intentional,€such€punitive€damages€asÐ ` Ða€court€may€allow;€andÐöF4(#4(# ÐÌ€€€à Ü àà  à(4)à0 4 àin€the€case€of€any€successful€action€to€enforce€liability€under€this€subsection,€the€costsÐ Â Ðof€the€action,€together€with€reasonable€attorney€fees,€as€determined€by€the€court.Шø4(#4(# ÐÌ€à0 Ü à(j)à0Ü(#Ü(#àòòDisciplinary€actions€for€violations.€óó€If€a€court€determines€that€any€agency€or€departmentÐ tÄ Ðof€the€United€States€has€violated€any€provision€of€this€section€and€the€court€finds€that€theÐ Zª Ðcircumstances€surrounding€the€violation€raise€questions€of€whether€or€not€an€officer€orÐ @ Ðemployee€of€the€agency€or€department€acted€willfully€or€intentionally€with€respect€to€theÐ &v Ðviolation,€the€agency€or€department€shall€promptly€initiate€a€proceeding€to€determineÐ  \ Ðwhether€or€not€disciplinary€action€is€warranted€against€the€officer€or€employee€who€wasÐ òB Ðresponsible€for€the€violation.ÐØ((#(# ÐÌ€à Ü à(k)à0  àòòGood-faith€exception.óó€€Notwithstanding€any€other€provision€of€this€title,€any€consumerÐ ¤ô Ðreporting€agency€or€agent€or€employee€thereof€making€disclosure€of€consumer€reports€orÐ Š Ú Ðidentifying€information€pursuant€to€this€subsection€in€good-faith€reliance€upon€aÐ p!À  Ðcertification€of€the€Federal€Bureau€of€Investigation€pursuant€to€provisions€of€this€sectionÐ V"¦! Ðshall€not€be€liable€to€any€person€for€such€disclosure€under€this€title,€the€constitution€ofÐ <#Œ" Ðany€State,€or€any€law€or€regulation€of€any€State€or€any€political€subdivision€of€any€State.Ð"$r#(#(# Ðà Ü àà  àà 4 àà ` àà Œ àÌà Ü à(l)à0  àòòLimitation€of€remedies.óó€€Notwithstanding€any€other€provision€of€this€title,€the€remediesÐ î%>!% Ðand€sanctions€set€forth€in€this€section€shall€be€the€only€judicial€remedies€and€sanctions€forÐ Ô&$"& Ðviolation€of€this€section.€Ðº' #'(#(# Ðà Ü àÌ€€€€(m)à0  àòòInjunctive€reliefóó.€€In€addition€to€any€other€remedy€contained€in€this€section,€injunctiveÐ †)Ö$) Ðrelief€shall€be€available€to€require€compliance€with€the€procedures€of€this€section.€€In€theÐ l*¼%* Ðevent€of€any€successful€action€under€this€subsection,€costs€together€with€reasonableÐ R+¢&+ Ðattorney€fees,€as€determined€by€the€court,€may€be€recovered.€€Ð8,ˆ',(#(# Ðà Ü àà  àà 4 àà ` àà Œ àà ¸ àà ä àÐ -n(- ÐÑÄ×±SÑâ ÄâÑÇ–Ñâ ÄâÑ  ÑÒH°Òò òðð627.€Disclosures€to€governmental€agencies€for€counterterrorism€purposesó ó€[15€U.S.C.€ðð1681v]€Ð ° ÐÒ°HÒÌà Ü à(a)à0  àòòDisclosure.óó€€Notwithstanding€section€604€or€any€other€provision€of€this€title,€a€€€€€€€€€€€€€€Ð |Ì Ðconsumer€reporting€agency€shall€furnish€a€consumer€report€of€a€consumer€and€all€otherÐ b² Ðinformation€in€a€consumer's€file€to€a€government€agency€authorized€to€conductÐ H˜ Ðinvestigations€of,€or€intelligence€or€counterintelligence€activities€or€analysis€related€to,Ð . ~ Ðinternational€terrorism€when€presented€with€a€written€certification€by€such€governmentÐ  d Ðagency€that€such€information€is€necessary€for€the€agency's€conduct€or€such€investigation,Ð ú J Ðactivity€or€analysis.Ðà 0(#(# ÐÌà Ü à(b)à0  àòòForm€of€certification.óó€€The€certification€described€in€subsection€(a)€shall€be€signed€by€aÐ ¬ ü  Ðsuper‚visory€official€designated€by€the€head€of€a€Federal€agency€or€an€officer€of€a€FederalÐ ’â  Ðagency€whose€appoint‚ment€to€office€is€required€to€be€made€by€the€President,€by€and€withÐ xÈ  Ðthe€advice€and€consent€of€the€Senate.Ð^® (#(# ÐÌØ! !ØÓ€ *(×E80%Ó€à0 Ü à(c)à0Ü(#Ü(#àòòConfidentiality.óó€€No€consumer€reporting€agency,€or€officer,€employee,€or€agent€of€suchÐ *z  Ðconsum‚er€reporting€agency,€shall€disclose€to€any€person,€or€specify€in€any€consumerÐ ` Ðreport,€that€a€government€agency€has€sought€or€obtained€access€to€information€underÐ öF Ðsubsection€(a).ÐÜ,(#(# ÐÌ€à0 Ü à(d)à0Ü(#Ü(#àòòRule€of€construction.€óó€Nothing€in€section€626€shall€be€construed€to€limit€the€authority€ofÐ ¨ø Ðthe€Director€of€the€Federal€Bureau€of€Investigation€under€this€section.ÐŽÞ(#(# ÐÌØ! !ØÓ€ +(ç%88*Óà Ü à(e)à0  àòòSafe€harbor.óó€€Notwithstanding€any€other€provision€of€this€title,€any€consumer€report‚ingÐ Zª Ðagency€or€agent€or€employee€thereof€making€disclosure€of€consumer€reports€or€otherÐ @ Ðinformation€pursuant€to€this€section€in€good-faith€reliance€upon€a€certification€of€aÐ &v Ðgovernmental€agency€pursuant€to€the€provisions€of€this€section€shall€not€be€liable€to€anyÐ  \ Ðperson€for€such€disclosure€under€this€subchapter,€the€constitution€of€any€State,€or€any€lawÐ òB Ðor€regulation€of€any€State€or€any€political€subdivision€of€any€State.ÐØ((#(# ÐÌò òðð€628.€Disposal€of€records€ó ó€[15€U.S.C.€ðð1681w]€Ð ¤ô ÐÒX°Òà Ü àà  àà 4 àà ` àà Œ àà ¸ àà ä àà  àà < àà h àà ” àà À àà ì àà  àòòò òà€00h€%àSee€also€16€CFR€Part€682ˆÐ Š Ú Ðó óóóà Ü à(a)€Regulationsòòò òà€ÆÆc€%à69€Fed.€Reg.€68690€(11/24/04)óóó óˆÐ p!À  ÐÌÒeXÒà0 Ü àà0Üs#Üs#à(1)òòà04s#s#àIn€general.€€óóNot€later€than€1€year€after€the€date€of€enactment€of€this€section,€theÐ <#Œ" ÐFederal€banking€agencies,€the€National€Credit€Union€Administration,€and€the€ComƒÐ "$r# Ðmission€with€respect€to€the€entities€that€are€subject€to€their€respective€enforce‚mentÐ %X $ Ðauthority€under€section€621,€and€the€Securities€and€Exchange€Commission,€and€inÐ î%>!% Ðcoordination€as€described€in€paragraph€(2),€shall€issue€final€regulations€requiring€anyÐ Ô&$"& Ðperson€that€maintains€or€otherwise€possesses€consumer€information,€or€anyÐ º' #' Ðcompilation€of€consumer€information,€derived€from€consumer€reports€for€a€businessÐ  (ð#( Ðpurpose€to€properly€dispose€of€any€such€information€or€compilation.І)Ö$)4s#4s# ÐÌà Ü àà  à(2)à0 4 àòòCoordination.€óó€Each€agency€required€to€prescribe€regulations€under€paragraph€(1)Ð R+¢&+ Ðshallð!ð€Ð8,ˆ',4s#4s# ÐÌà0 Ü àà  àà 4 à(A)à0Œ Üs#Üs#àconsult€and€coordinate€with€each€other€such€agency€so€that,€to€the€extentÐ .T). Ðpossible,€the€regulations€prescribed€by€each€such€agency€are€consistent€andÐ ê.:*/ Ðcomparable€with€the€regulations€by€each€such€other€agency;€andÐÐ/ +0Œ s#Œ s# ÐÑ¿§ÂTÑâ ¿âÑÇÇÑâ ¿âÑ  ÑÌà Ü àà  àà 4 à(B)à0 Œ àensure€that€such€regulations€are€consistent€with€the€requirements€andÐ –æ Ðregulations€issued€pursuant€to€Public€Law€106-102€and€other€provisions€ofÐ |Ì ÐFederal€law.Ðb²Œ s#Œ s# ÐÌà Ü àà  à(3)à0 4 àòòExemption€authority.€óó€In€issuing€regulations€under€this€section,€the€Federal€bankingÐ . ~ Ðagencies,€the€National€Credit€Union€Administration,€the€Commission,€and€theÐ  d ÐSecurities€and€Exchange€Commission€may€exempt€any€person€or€class€of€persons€fromÐ ú J Ðapplication€of€those€regulations,€as€such€agency€deems€appropriate€to€carry€out€theÐ à 0 Ðpurpose€of€this€section.ÐÆ  4s#4s# Ðà Ü àà  àà 4 àà ` àà Œ àà ¸ àà ä àà  àà < àà h àà ” àà À àà ì àà  àà D àà p àà œ àà È àà ô àÌà Ü à(b)€òòRule€of€construction.€€óóNothing€in€this€section€shall€be€construed--Ð ’â  ÐÌà Ü àà  à(1)à0 4 àto€require€a€person€to€maintain€or€destroy€any€record€pertaining€to€a€consumer€that€isÐ ^®  Ðnot€imposed€under€other€law;€orÐD” 4s#4s# ÐÌà Ü àà  à(2)à0 4 àto€alter€or€affect€any€requirement€imposed€under€any€other€provision€of€law€toÐ ` Ðmaintain€or€destroy€such€a€record.ÐöF4s#4s# ЀÌò òÌðð€629.€Corporate€and€technological€circumvention€prohibitedó ó€€[15€U.S.C.€ðð1681x]€Ð ¨ø Ðà Ü àà  àà 4 àÌà Ü àà  àThe€Commission€shall€prescribe€regulations,€to€become€effective€not€later€than€90€daysÐ tÄ Ðafter€the€date€of€enactment€of€this€section,€to€prevent€a€consumer€reporting€agency€fromÐ Zª Ðcircumventing€or€evading€treatment€as€a€consumer€reporting€agency€described€in€section€603(p)Ð @ Ðfor€purposes€of€this€title,€including--Ð &v ÐÌà0 Ü àà0Üs#Üs#à(1)à04s#s#àby€means€of€a€corporate€reorganization€or€restructuring,€including€a€merger,€acƒÐ òB Ðquisition,€dissolution,€divestiture,€or€asset€sale€of€a€consumer€reporting€agency;€orÐØ(4s#4s# ÐÌà0 Ü àà0Üs#Üs#à(2)à04s#s#àby€maintaining€or€merging€public€record€and€credit€account€information€in€a€mannerÐ ¤ô Ðthat€is€substantially€equivalent€to€that€described€in€paragraphs€(1)€and€(2)€of€sectionÐ Š Ú Ð603(p),€in€the€manner€described€in€section€603(p).Ðp!À 4s#4s# ÐÒXeÒà€h€%àò òSee€also€16€CFR€Part€611ˆÐ V"¦! Ðà€d€%à69€Fed.€Reg.€8531€(02/24/04)ˆÐ <#Œ" Ðà€»»c€%à69€Fed.€Reg.€29061€(05/20/04)à€@(#(#x(#àó óˆÐ "$r# Ð