Tracker record · Federal · Statute
FCRA consumer-reporting data duties
The Fair Credit Reporting Act governs consumer reports: permissible purposes, accuracy and dispute duties for furnishers and users, adverse-action notices, and disposal. It reaches Texas businesses that use or furnish consumer-report information in employment, credit, insurance, and tenant screening.
Status
- Legal status
- In effect
- Allegation or finding
- Operative law
- Applicability
- Consumer reporting agencies, furnishers, and users of consumer reports
- Enforceability
- Binding on parties within scope
- Law checked through
- October 12, 2026
- Primary-source pinpoint
- 15 U.S.C. 1681 et seq.
- Primary source
- https://www.law.cornell.edu/uscode/text/15/1681
- Citation
- 15 U.S.C. 1681 et seq. (FTC compilation revised March 2026)
- Source
- 15 U.S.C. 1681 et seq.