Page:United States Statutes at Large Volume 110 Part 4.djvu/596

 110 STAT. 3009 -433 PUBLIC LAW 104-208—SEPT. 30, 1996 "(ii) until the consumer notifies the agency under subparagraph (C), in the case of an election for which a consumer notifies the agency in accordance with paragraph (2)(B); "(C) shall not be effective after the date on which the consumer notifies the agency, through the notification system established by the agency under paragraph (5), that the election is no longer effective; and "(D) shall be effective with respect to each affiliate of the agency. "(5) NOTIFICATION SYSTEM. — "(A) IN GENERAL.— Each consumer reporting agency that, under subsection (c)(1)(B), furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a consumer, shall— "(i) establish and maintain a notification system, including a toll-free telephone number, which permits any consumer whose consumer report is maintained by the agency to notify the agency, with appropriate identification, of the consumer's election to have the consumer's name and address excluded from any such list of names and addresses provided by the agency for such a transaction; and "(ii) publish by not later than 365 days after the date of enactment of the Consumer Credit Reporting Reform Act of 1996, and not less than annually thereafter, in a publication of general circulation in the area served by the agency— "(I) a notification that information in consumer files maintained by the agency may be used in connection with such transactions; and "(II) the address and toll-free telephone number for consumers to use to notify the agency of the consumer's election under clause (i). "(B) ESTABLISHMENT AND MAINTENANCE AS COMPLI- ANCE. —Establishment and maintenance of a notification system (including a toll-free telephone number) and publication by a consumer reporting agency on the agency's own behalf and on behalf of any of its afiiliates in accordance with this paragraph is deemed to be compliance with this paragraph by each of those affiliates. "(6) NOTIFICATION SYSTEM BY AGENCIES THAT OPERATE NATIONWIDE.— Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph (5) jointly with other such consumer reporting agencies.". (b) USE OF INFORMATION OBTAINED FROM REPORTS. —Section 604 of the Fair Credit Reporting Act (15 U.S.C. 1681b) (as amended by subsection (a) of this section) is amended by adding at the end the following new subsection: " (f) CERTAIN USE OR OBTAINING OF INFORMATION PROHIBITED. — A person shall not use or obtain a consumer report for any purpose unless— "(1) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and

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