BILLS-104hr561ih.pdf

5 business days 1995 2-year 30-day 15 U.S.C. 1681b 1978 the beginning of the Fair Credit Reporting Act 3 business days 1994 60-day 60 days 15 U.S.C. 1681e 90 days October 1, 1994 15 U.S.C. 1681h 15 U.S.C. 1681q 7 years old semiannual later than 15 days 300-day 8 days the end of the 21 1681b 1986 180-day Act of 1978 17 month 12-MONTH PERIOD later than 30 days more than one year 5 years 365 days the preceding 60 days 15 additional days 12- the month later than 365 days 1681c later than 90 days 15 U.S.C. 1681(a JANUARY 18, 1995 10 years 455 days 1-year 2 years 7-year 15 U.S.C. 1681r the next 60 days 3-year 6-month

Common- the ‘‘Consumer Reporting SESSION H.

United States the United States Washington the United States of America Wisconsin Massachusetts Puerto Rico the District of Columbia Vermont

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SEC State U.S.C. Federal Fair Commission the Federal Trade Commission GENERAL.—If the Fair Credit Reporting Act Federal Trade Commission the Federal Bureau of Investigation the Federal Trade Congress FBI Federal Trade TAIN FTC United FEDERAL RESERVE BOARD AUTHORITY Senate the Board of Governors the Federal Bureau the Foreign Intelligence Surveillance Act Federal or State INFORMATION.—A Intelligence the Right to Financial Privacy Act Consumer Report- IDENTIFICATION.—A Board the ‘Credit Repair Organi- the Federal Trade Commission Act House of Representa- ALLOWED.—A FEDERAL RESERVE BOARD INGS the Federal Reserve 7 System REPORT.—If Banking and Financial Services Depository Institutions Management the Committee on Banking fidelity the Truth in Lending Act TEM the Permanent Select Committee the Committee on Banking, Finance INFORMATION.—If the Department of Justice

Act NOTIFICATION.—A MFUME SCHUMER FRANK MATION BARRETT GONZALEZ VENTO KENNEDY ROYBAL-ALLARD ert T. Stafford Disaster Relief and Emergency Assistance FLAKE

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