---
kind: "unit"
title: "15"
title_heading: "Commerce and Trade"
key: "ch41/schIII"
level: "subchapter"
label: "Subchapter III"
heading: "Credit Reporting Agencies"
release: "119-102"
date: "2026-07-12"
url: "https://uscodex.org/usc/15/ch41-schIII"
sections_count: 31
---

# Subchapter III — Credit Reporting Agencies

Title 15 — Commerce and Trade › Chapter 41 — Consumer Credit Protection

## Sections

- [§1681. Congressional findings and statement of purpose](/usc/15/1681.md)
- [§1681a. Definitions; rules of construction](/usc/15/1681a.md)
- [§1681b. Permissible purposes of consumer reports](/usc/15/1681b.md)
- [§1681c. Requirements relating to information contained in consumer reports](/usc/15/1681c.md)
- [§1681c–1. Identity theft prevention; fraud alerts and active duty alerts](/usc/15/1681c-1.md)
- [§1681c–2. Block of information resulting from identity theft](/usc/15/1681c-2.md)
- [§1681c–3. Adverse information in cases of trafficking](/usc/15/1681c-3.md)
- [§1681d. Disclosure of investigative consumer reports](/usc/15/1681d.md)
- [§1681e. Compliance procedures](/usc/15/1681e.md)
- [§1681f. Disclosures to governmental agencies](/usc/15/1681f.md)
- [§1681g. Disclosures to consumers](/usc/15/1681g.md)
- [§1681h. Conditions and form of disclosure to consumers](/usc/15/1681h.md)
- [§1681i. Procedure in case of disputed accuracy](/usc/15/1681i.md)
- [§1681j. Charges for certain disclosures](/usc/15/1681j.md)
- [§1681k. Public record information for employment purposes](/usc/15/1681k.md)
- [§1681l. Restrictions on investigative consumer reports](/usc/15/1681l.md)
- [§1681m. Requirements on users of consumer reports](/usc/15/1681m.md)
- [§1681n. Civil liability for willful noncompliance](/usc/15/1681n.md)
- [§1681o. Civil liability for negligent noncompliance](/usc/15/1681o.md)
- [§1681p. Jurisdiction of courts; limitation of actions](/usc/15/1681p.md)
- [§1681q. Obtaining information under false pretenses](/usc/15/1681q.md)
- [§1681r. Unauthorized disclosures by officers or employees](/usc/15/1681r.md)
- [§1681s. Administrative enforcement](/usc/15/1681s.md)
- [§1681s–1. Information on overdue child support obligations](/usc/15/1681s-1.md)
- [§1681s–2. Responsibilities of furnishers of information to consumer reporting agencies](/usc/15/1681s-2.md)
- [§1681s–3. Affiliate sharing](/usc/15/1681s-3.md)
- [§1681t. Relation to State laws](/usc/15/1681t.md)
- [§1681u. Disclosures to FBI for counterintelligence purposes](/usc/15/1681u.md)
- [§1681v. Disclosures to governmental agencies for counterterrorism purposes](/usc/15/1681v.md)
- [§1681w. Disposal of records](/usc/15/1681w.md)
- [§1681x. Corporate and technological circumvention prohibited](/usc/15/1681x.md)