Page:United States Statutes at Large Volume 110 Part 4.djvu/600

 110 STAT. 3009-437 PUBLIC LAW 104-208—SEPT. 30, 1996 "(3)(A) Identification of each person (including each enduser identified under section 607(e)(1)) that procured a consumer report— "(i) for employment purposes, during the 2-year period preceding the date on which the request is made; or "(ii) for any other purpose, during the 1-year period preceding the date on which the request is made. "(B) An identification of a person under subparagraph (A) shall include— "(i) the name of the person or, if applicable, the trade name (written in full) under which such person conducts business; and "(ii) upon request of the consumer, the address and telephone number of the person.". (c) INFORMATION REGARDING INQUIRIES.—Section 609(a) of the Fair Credit Reporting Act (15 U.S.C. 1681g(a)) is amended by adding at the end the following new paragraph: ' "(5) A record of all inquiries received by the agency during the 1-year period preceding the request that identified the consumer in connection with a credit or insurance transaction that was not initiated by the consumer.". (d) SUMMARY OF RIGHTS REQUIRED To BE INCLUDED WITH DISCLOSURE. — (1) IN GENERAL.— Section 609 of the Fair Credit Reporting Act (15 U.S.C. 168 Ig) is amended by adding at the end the following new subsection: "(c) SUMMARY OF RIGHTS REQUIRED TO BE INCLUDED WITH DISCLOSURE.— "(1) SUMMARY OF RIGHTS.—^A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section— "(A) a written summary of all of the rights that the consumer has under this title; and "(B) in the case of a consumer reporting agency that compiles and maintains files on consumers on a nationwide basis, a toll-free telephone number established by the agency, at which personnel are accessible to consumers during normal business hours. "(2) SPECIFIC ITEMS REQUIRED TO BE INCLUDED.— The summary of rights required under paragraph (1) shall include— "(A) a brief description of this title and all rights of consumers under this title; "(B) an explanation of how the consumer may exercise the rights of the consumer under this title; "(C) a list of all Federal agencies responsible for enforcing any provision of this title and the address and any appropriate phone number of each such agency, in a form that will assist the consumer in selecting the appropriate agency; "(D) a statement that the consumer may have additional rights under State law and that the consumer may wish to contact a State or local consumer protection agency or a State attorney general to learn of those rights; and "(E) a statement that a consumer reporting agency is not required to remove accurate derogatory information from a consumer's file, unless the information is outdated under section 605 or cannot be verified.

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