---
kind: "section"
citation: "15 U.S.C. § 1681l"
title: "15"
title_heading: "Commerce and Trade"
number: "1681l"
heading: "Restrictions on investigative consumer reports"
release: "119-102"
date: "2026-07-12"
url: "https://uscodex.org/usc/15/1681l"
units:
  - "Chapter 41 — Consumer Credit Protection"
  - "Subchapter III — Credit Reporting Agencies"
---

# §1681l. Restrictions on investigative consumer reports


Whenever a [consumer reporting agency](/usc/15/1681a.md?p=f) prepares an [investigative consumer report](/usc/15/1681a.md?p=e), no adverse information in the [consumer report](/usc/15/1681a.md?p=d-1) (other than information which is a matter of public record) may be included in a subsequent [consumer report](/usc/15/1681a.md?p=d-1) unless such adverse information has been verified in the process of making such subsequent [consumer report](/usc/15/1681a.md?p=d-1), or the adverse information was received within the three-month period preceding the date the subsequent report is furnished.


## Source credit

(Pub. L. 90–321, title VI, § 614, as added Pub. L. 91–508, title VI, § 601, Oct. 26, 1970, 84 Stat. 1133.)

## Notes

### Statutory Notes and Related Subsidiaries

### Effective Date

Section effective upon the expiration of one hundred and eighty days following Oct. 26, 1970, see section 504(d) of Pub. L. 90–321, as added by Pub. L. 91–508, set out as a note under section 1681 of this title.