The documents listed below are not of legal stature, however, they are pertinent to the services offered by CIR. Please feel free to click on any link which you may find helpful.
law.com Law Dictionary A legal dictionary for your aid in understanding criminal or civil records.
ABC News: Advocates Complain of Background Check Errors
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Fair Credit Reporting Act - Staff Opinion Letters (1997-2001)
Section 603(b)
Definition of "person"
Section 603(d)(1)
Definition of "consumer report" (general)
Section 603(d)(2)
Definition of "consumer report" (exclusions)
Islinger (06-09-98)
Hinkle (07-09-98 )
Pickett (07-10-98)
Kelley (07-16-98)
Novak (09-09-98) Section 603(e)
Definition of "investigative consumer report"
Hinkle (07-09-98)
Willner (03-25-99)
Vail (04-05-99)
Meisinger (08-31-99)
Fischel (10-01-99) Section 603(f)
Definition of "consumer reporting agency"
Cast (10-27-97)
Goeke (06-09-98)
LeBlanc (06-09-98)
Islinger (06-09-98)
Copple (06-10-98)
Slyter (06-12-98)
Lee (06-26-98)
Pickett (07-10-98)
Leathers (09-09-98)
Throne (11-20-98)
Vail (04-05-99)
Meisinger (08-31-99)
Sum (09-15-99)
Section 603(g)
Definition of "file"
Cohan (08-01-00)
Section 603(h)
Definition of "employment purposes"
Section 603(k)
Definition of "adverse action"
Section 603(m)
Definition of "credit or insurance that is not initiated by the consumer"
Gowen (04-29-99)
Section 603(o)
Definition of "consumer report" (exception for employment agencies)
Basting (06-11-98)
Hahn (07-08-98)
Section 603(p)
Definition of "consumer reporting agency that compiles and maintains files on consumers on a nationwide basis"
Cohan (06-29-99)
Section 604(a)
Permissible purposes for which an CRA may furnish a consumer report
Section 604(a)(2)
Written authorization of consumer
Section 604(a)(3)(A)
Credit transaction
Section 604(a)(3)(B)
Employment purposes
Section 604(a)(3)(C)
Underwriting of insurance
Section 604(a)(3)(D)
Grant of license or benefit by governmental instrumentality Greathouse (10-20-98)
Section 604(a)(3)(F)
Legitimate business need
Section 604(a)(4-5)
Child support purposes
Section 604(b)
Consumer reports for employment purposes
Section 604(b)(1)
User certification requirements; CRA obligation to provide summary of rights
Hahn (12-23-97)
Kilgo (07-28-98)
Section 604(b)(2)
Pre-report disclosure to consumer by employer; authorization by consumer
Section 604(b)(3)
Employer pre-adverse action report
copy and summary of rights to consumer
Section 604(c)(1)(A)
Reports for non-consumer-initiated credit or insurance transactions
Section 605
Information contained in consumer reports
Section 605(a)(1)
Time limits: Bankruptcies
Anonymous (11-05-99)
Section 605(a)(4): Section 605(c)
Time limits: Charge-off and collection accounts
Johnson (08-31-98)
Kosmerl (06-04-99)
Amason (02-15-00)
Section 605(a)(5)
Time limits: Reporting adverse information (general)
Seham (04-17-98)
Goeke (06-09-98)
Nadell (12-10-98)
Rosen (06-04-99)
Sum (09-15-99)
Holland (12-16-99)
Section 605(a)(5)(repealed 11-02-98)
Time Limits: Records of arrest, indictment, or conviction
Rosen (06-09-98)
Halpern (06-11-98)
Section 605(b)
Time Limits: Exempted cases
Sum (09-15-99)
Section 606
Investigative consumer report disclosures
Allison (02-23-98)
Beaudette (06-09-98)
Pickett (07-10-98)
Section 606(a)
Disclosure of preparation of investigative consumer report
Hawkey (12-18-97)
Brisch (06-11-98)
Hauxwell (06-12-98)
Willner (03-25-99)
Section 606(b)
Disclosure of nature and scope of report
Brisch (06-11-98)
Hauxwell (06-12-98)
Willner (03-25-99)
Section 607(a)
Reasonable procedures to comply with §§ 604 and 605
LeBlanc (06-09-98)
Landever (10-12-99)
Section 607(b)
Reasonable procedures to assure maximum possible accuracy Lovern (04-24-98)
LeBlanc (06-09-98)
Harris (03-22-99)
McCorkell (06-03-99)
Watkins (06-24-99)
Section 607(d)
Notice to users and furnishers
LeBlanc (06-09-98)
Section 607(e)
Procurement of reports for resale
Goeke (06-09-98)
LeBlanc (06-09-98)
Rosen (06-09-98)
Beaudette (06-09-98)
Benner (04-30-99)
Section 609
Disclosures to consumers
Beaudette (06-09-98)
Lee (06-26-98)
Cohan (08-01-00)
Section 609(a)(1)
Information to be disclosed
Hahn (07-08-98)
Darcy (06-30-00)
Section 609(a)(3)
Identification of recipients
LeBlanc (06-09-98)
Rosen (06-09-98)
Benner (04-30-99)
Cohan (08-01-00)
Section 609(c)
Summary of rights to be included with disclosure
LeBlanc (06-09-98)
Cohan (06-29-99)
Section 610
Conditions and form of disclosure to consumers
Beaudette (06-09-98)
Section 611(a)
Investigation of consumer disputes by CRAs
Tabler (10-27-98)
Cohan (08-01-00)
Section 611(c)
Notice of dispute in subsequent reports
Edwards (07-15-98) Section 612
Charges for disclosures Lee (06-26-98)
Cohan (08-01-00)
Section 613
Public record information for employment purposes
Slyter (06-12-98)
Allan (05-05-99)
Holland (12-16-99)
Section 615(a)
Required notice of adverse action based on a consumer report Weisberg (06-27-97)
Solganik (10-23-97)
Cast (10-27-97)
Hawkey (12-18-97)
Allison (02-23-98)
Schieber (03-03-98)
Pickett (07-10-98)
Everson (07-28-98)
Hall (10-26-98)
Sheffield (11-10-98)
Cohan (06-29-99)
Allan (02-14-00)
Ball (03-01-00)
Stinneford (07-14-00)
Latour (06-28-01)
Section 615(b)
Required notice of adverse action based on information from a third party Riddle (03-17-99)
Section 616-617
Civil liability Greenblatt (10-27-98)
Long (07-06-00)
Section 618
Statute of limitations
Kilgo (07-28-98)
Section 621
Administrative enforcement
Greenblatt (10-27-98)
Section 623(a)(1)
Duty of furnishers to provide accurate information
Jaffe(07-17-98)
Watkins (06-24-99)
Boynton (02-15-00)
Section 623(a)(2)
Duty of furnishers to correct and update information
Harris (03-22-99)
Boynton (02-15-00)
Section 623(a)(3)
Duty of furnishers to provide notice of dispute
Harvey (12-23-97)
Section 623(a)(5)
Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts
Harvey (12-23-97)
Gillespie (03-10-98)
Johnson (08-31-98)
Kosmerl (06-04-99)
Amason (02-15-00)
Section 623(b)
Duty of furnishers to investigate consumer disputes
Tabler (10-27-98)
Cohan (08-01-00)
Section 623(c)
Liability of furnishers
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