Page:United States Statutes at Large Volume 110 Part 4.djvu/599

 PUBLIC LAW 104-208—SEPT. 30, 1996 110 STAT. 3009 -436 "(B) to whom a consumer report is provided by the agency; a notice of such person's responsibiHties under this title. "(2) CONTENT OF NOTICE.— The Federal Trade Commission shall prescribe the content of notices under paragraph (1), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph (1) that is substantially similar to the Federal Trade Commission prescription under this paragraph.". (c) RECORD OF IDENTITY OF USERS AND PURPOSES CERTIFIED BY USERS OF REPORTS.— Section 607 of the Fair Credit Reporting Act (15 U.S.C. 168 le) is amended by adding after subsection (d) (as added by subsection (b) of this section) the following new subsection: " (e) PROCUREMENT OF CONSUMER REPORT FOR RESALE.— "(1) DISCLOSURE.— ^A person may not procure a consumer report for purposes of reselling the report (or any information in the report) unless the person discloses to the consumer reporting agency that originally furnishes the report— "(A) the identity of the end-user of the report (or information); and "(B) each permissible purpose under section 604 for which the report is furnished to the end-user of the report (or information). "(2) RESPONSIBILITIES OF PROCURERS FOR RESALE.—A person who procures a consumer report for purposes of reselling the report (or any information in the report) shall— "(A) establish and comply with reasonable procedures designed to ensure that the report (or information) is resold by the person only for a purpose for which the report may be furnished under section 604, including by requiring that each person to which the report (or information) is resold and that resells or provides the report (or information) to any other person— "(i) identifies each end user of the resold report (or information); "(ii) certifies each purpose for which the report (or information) will be used; and "(iii) certifies that the report (or information) will be used for no other purpose; and "(B) before reselling the report, make reasonable efforts to verify the identifications and certifications made under subparagraph (A).". SEC. 2408. CONSUMER DISCLOSURES. (a) ALL INFORMATION IN CONSUMER'S FILE REQUIRED TO BE DISCLOSED.— Section 609(a)(1) of the Fair Credit Reporting Act (15 U.S.C. 1681g(a)(l)) is amended to read as follows: "(1) All information in the consumer's file at the time of the request, except that nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.". (b) MORE INFORMATION CONCERNING RECIPIENTS OF REPORTS REQUIRED.—Section 609(a)(3) of the Fair Credit Reporting Act (15 U.S.C. 1681g(a)) is amended to read as follows:

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