美國(guó)公平信用報(bào)告法(fcra)譯本

1、美國(guó)公平信用報(bào)告法（FCRA）譯本譯者：billtown http://billtonn.blog.163.com/公平信用報(bào)告法是本人于 2002 年為研究信用立法而做的基礎(chǔ)工作，現(xiàn)分三篇全文送上，歡迎批評(píng)指正。THE FAIR CREDIT REPORTING ACTTABLE OF CONTENTS§ 601 Short title 小標(biāo)題§ 602 Congressional findings and st

2、atement of purpose 國(guó)會(huì)決定和目的說明§ 603 Definitions; rules of construction 定義：法律解釋規(guī)則§ 604 Permissible purposes of consumer reports 消費(fèi)者報(bào)告可允許達(dá)到的目的§ 605 Requirements relating to information contained in consumer re

3、ports 對(duì)消費(fèi)者報(bào)告有關(guān)信息的要求 § 606 Disclosure of investigative consumer reports 經(jīng)調(diào)查的消費(fèi)者報(bào)告的披露§ 607 Compliance procedures 須遵守的程序§ 608 Disclosures to governmental agencies 向政府機(jī)構(gòu)披露

4、67; 609 Disclosures to consumers 向消費(fèi)者披露§ 610 Conditions and form of disclosure to consumers 對(duì)消費(fèi)者披露的條件和格式§ 611 Procedure in case of disputed accuracy 準(zhǔn)確性爭(zhēng)議發(fā)生時(shí)的處理程序§ 612 Charges f

5、or certain disclosures 對(duì)某些披露收取的費(fèi)用§ 613 Public record information for employment purposes 為就業(yè)目的提供公共記錄信息§ 614 Restrictions on investigative consumer reports 對(duì)經(jīng)調(diào)查的消費(fèi)者報(bào)告的限制§ 615 Requirements o

6、n users of consumer reports 對(duì)消費(fèi)者報(bào)告使用者的要求§ 616 Civil liability for willful noncompliance 故意違法的民事責(zé)任§ 617 Civil liability for negligent noncompliance 過失違法的民事責(zé)任§ 618 Jurisdiction of courts

7、; limitation of actions 法院管轄權(quán)：訴訟時(shí)效§ 619 Obtaining information under false pretenses 受欺詐而獲取的信息§ 620 Unauthorized disclosures by officers or employees 職員或雇員未經(jīng)授權(quán)的披露§ 621 Administrative enforcement

8、 行政執(zhí)行§ 622 Information on overdue child support obligations 未盡兒童撫養(yǎng)義務(wù)的有關(guān)信息§ 623 Responsibilities of furnishers of information to consumer reporting agencies 向消費(fèi)者報(bào)告機(jī)構(gòu)提供信息的人的責(zé)任§ 624 Relat

9、ion to State laws 與州法律的關(guān)系§ 625 Disclosures to FBI for counterintelligence purposes 為反間諜目的而向聯(lián)邦調(diào)查局披露§ 626 Disclosures to governmental agencies for counterterrorism purposes 為反恐怖行為目的而向政府機(jī)構(gòu)

10、披露§ 601. Short title 小標(biāo)題This title may be cited as the Fair Credit Reporting Act.此小標(biāo)題為“公平信用報(bào)告法” 。§ 602. Congressional findings and statement of purpose [15 U.S.C. § 1681]包括(A) credit or insurance to be use

11、d primarily for personal, family, or household purposes; 主要為個(gè)人、家庭取得貸款或獲得保險(xiǎn)目的；(B) employment purposes; or 就業(yè)目的；或(C) any other purpose authorized under section 604 [§ 1681b].其他由 604 節(jié)授權(quán)的任何目的(2) Exclusions. The term

12、“consumer report“ does not include 除外事項(xiàng)。消費(fèi)者報(bào)告不包括(A) any 任何(i) report containing information solely as to transactions or experiences between the consumer and the person making the report; 僅包含有關(guān)報(bào)告制作機(jī)構(gòu)與消費(fèi)者之間的交易或經(jīng)歷信息的報(bào)告；(i

13、i) communication of that information among persons related by common ownership or affiliated by corporate control; or 在有關(guān)的共有產(chǎn)權(quán)人之間或公司控制的下屬機(jī)構(gòu)之間傳達(dá)的信息；或者(iii) communication of other information among persons related by commo

14、n ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before t

15、he time that the information is initially communicated, to direct that such information not be communicated among such persons; 如果明確無誤地向消費(fèi)者披露,在有關(guān)的共有產(chǎn)權(quán)人之間或公司控制的下屬機(jī)構(gòu)之間傳達(dá)其他信息，消費(fèi)者有機(jī)會(huì)在此信息首次傳達(dá)之前，指示不得在上述人員中傳達(dá)。(B) any authorizat

16、ion or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device; 由信用卡或其他類似信用工具的發(fā)卡部門直接或間接批準(zhǔn)及授權(quán)同意的特定信用擴(kuò)張； (C) any report in which a person who has been requested by

17、 a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the

18、person to whom the request was made, and such person makes the disclosures to the consumer required under section 615 [§ 1681m]; or某人應(yīng)第三人請(qǐng)求對(duì)消費(fèi)者直接、間接地做出特別信用擴(kuò)張，信用報(bào)告又傳達(dá)了其依該請(qǐng)求所做出的決定，而第三人如果將該被請(qǐng)求做出特別信用擴(kuò)張的人的姓名、地址又告訴了消費(fèi)者，其對(duì)

19、消費(fèi)者的披露是根據(jù)第 615 節(jié)[§ 1681m]所作的話；或者(D) a communication described in subsection (o). 以(O)小節(jié)規(guī)定的聯(lián)系方式進(jìn)行傳達(dá)。(e) The term “investigative consumer report“ means a consumer report or portion thereof in which information on a co

20、nsumer's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom

21、he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer's credit record obtained directly from a cre

22、ditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.”經(jīng)調(diào)查的消費(fèi)者報(bào)告”一詞,是指報(bào)告或報(bào)告部分有關(guān)消費(fèi)者品性、一般名譽(yù)、個(gè)人消費(fèi)特點(diǎn)或生活方式的信息，是通過對(duì)該消費(fèi)者的鄰居、朋友