PUBLIC LAW 104-208—SEPT. 30, 1996 110 STAT. 3009-396 Subtitle D—Consumer Credit CHAPTER 1—CREDIT REPORTING REFORM Sec. 2401. Short title. Sec. 2402. DeHnitions. Sec. 2403. Furnishing consumer reports; use for employment purposes. Sec. 2404. Use of consumer reports for prescreening and direct marketing; prohibition on unauthorized or uncertified use of information. Sec. 2405. Consumer consent required to furnish consumer report containing medical information. Sec. 2406. Obsolete information and information contained in consumer reports. Sec. 2407. Compliance procedures. Sec. 2408. Consumer disclosures. Sec. 2409. Procedures in case of the disputed accuracy of any information in a consumer's file. Sec. 2410. Charges for certain disclosures. Sec. 2411. Duties of users of consumer reports. Sec. 2412. Civil liability. Sec. 2413. Responsibilities of persons who furnish information to consumer reporting agencies. Sec. 2414. Investigative consumer reports. Sec. 2415. Increased criminal penalties for obtaining information under false pretenses. Sec. 2416. Administrative enforcement. Sec. 2417. State enforcement of Fair Credit Reporting Act. Sec. 2418. Federal Reserve Board authority. Sec. 2419. Preemption of State law. Sec. 2420. Effective date. Sec. 2421. Relationship to other law. Sec. 2422. Federal Reserve Board study. CHAPTER 2—CREDIT REPAIR ORGANIZATIONS Sec. 2451. Regulation of credit repair organizations. Sec. 2452. Creditworthiness. Subtitle E—Asset Conservation, Lender Liability, and Deposit Insurance Protection Sec. 2501. Short title. Sec. 2502. CERCLA lender and flduciary liability limitations amendments. Sec. 2503. Conforming amendment. Sec. 2504. Lender liability rule. Sec. 2505. Effective date. Subtitle F—Miscellaneous Sec. 2601. Federal Reserve Board study.
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