15 U.S.C. § 1681r: Unauthorized disclosures by officers or employees

15 U.S.C. 1681r: Unauthorized disclosures by officers or employeesText contains those laws in effect through Public Law 119-120 (October 7, 2026).

From Title 15-COMMERCE AND TRADECHAPTER 41-CONSUMER CREDIT PROTECTION

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§1681r. Unauthorized disclosures by officers or employees

Any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agency’s files to a person not authorized to receive that information shall be fined under title 18, imprisoned for not more than 2 years, or both.

( Pub. L. 90–321, title VI, § 620 , as added Pub. L. 91–508, title VI, § 601 , Oct. 26, 1970 , 84 Stat. 1134 ; amended Pub. L. 104–208, div. A, title II, § 2415(b) , Sept. 30, 1996 , 110 Stat. 3009–450 .)

Editorial Notes

Amendments

1996⁠—Pub. L. 104–208 substituted “fined under title 18, imprisoned for not more than 2 years, or both” for “fined not more than $5,000 or imprisoned not more than one year, or both”.

Statutory Notes and Related Subsidiaries

Effective Date of 1996 Amendment

Amendment by Pub. L. 104–208 effective 365 days after Sept. 30, 1996, with special rule for early compliance, see section 2420 of Pub. L. 104–208, set out as a note under section 1681a of this title.

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.