The Bankruptcy Act, referred to in subsec. (a)(1), was act July 1, 1898, ch. 541, 30 Stat. 544, which was classified to section 1 et seq. of former Title 11, Bankruptcy, prior to its repeal by Pub. L. 95–598,
Section 302(c)(5) of the Economic Growth, Regulatory Relief, and Consumer Protection Act, referred to in subsec. (a)(7), (8), is section 302(c)(5) of Pub. L. 115–174, which is set out as a note below.
2018—Subsec. (a)(7), (8). Pub. L. 115–174 added pars. (7) and (8).
2010—Subsec. (h)(2)(A). Pub. L. 111–203, § 1088(a)(5), substituted “, in consultation with the Federal banking agencies, the National Credit Union Administration, and the Federal Trade Commission,” for “with respect to the entities that are subject to their respective enforcement authority under section 1681s of this title”.
Pub. L. 111–203, § 1088(a)(2)(D), substituted “The Bureau shall” for “The Federal banking agencies, the National Credit Union Administration, and the Commission shall jointly”.
2003—Subsec. (a)(1). Pub. L. 108–159, § 811(c)(1), substituted “(1) Cases” for “(1) cases”.
Subsec. (a)(2). Pub. L. 108–159, § 811(c)(2)(A), made technical correction to directory language of Pub. L. 105–347, § 5(1). See 1998 Amendment note below.
Subsec. (a)(6). Pub. L. 108–159, § 412(b), added par. (6).
Subsec. (b). Pub. L. 108–159, § 412(c), substituted “The provisions of paragraphs (1) through (5) of subsection (a)” for “The provisions of subsection (a)” in introductory provisions.
Subsec. (d). Pub. L. 108–159, § 212(d), designated existing provisions as par. (1), inserted heading, and added par. (2).
Subsec. (g). Pub. L. 108–159, § 113, added subsec. (g).
Subsec. (h). Pub. L. 108–159, § 315, added subsec. (h).
1998—Subsec. (a)(2). Pub. L. 105–347, § 5(1), as amended by Pub. L. 108–159, § 811(c)(2)(A), substituted “Civil suits, civil judgments, and records of arrest that” for “Suits and judgments which”.
Subsec. (a)(5), (6). Pub. L. 105–347, § 5(2)–(4), redesignated par. (6) as (5), inserted “, other than records of convictions of crimes” after “of information”, and struck out former par. (5) which read as follows: “Records of arrest, indictment, or conviction of crime which, from date of disposition, release, or parole, antedate the report by more than seven years.”
1996—Pub. L. 104–208, § 2406(e)(1), amended section catchline.
Subsec. (a). Pub. L. 104–208, § 2406(a)(1), inserted heading.
Subsec. (b). Pub. L. 104–208, § 2406(a)(2), substituted “$150,000” for “$50,000” in pars. (1) and (2) and “$75,000” for “$20,000” in par. (3).
Subsec. (c). Pub. L. 104–208, § 2406(b), added subsec. (c).
Subsec. (d). Pub. L. 104–208, § 2406(c), added subsec. (d).
Subsecs. (e), (f). Pub. L. 104–208, § 2406(d), added subsecs. (e) and (f).
1978—Subsec. (a)(1). Pub. L. 95–598 substituted “cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years” for “Bankruptcies which, from date of adjudication of the most recent bankruptcy, antedate the report by more than fourteen years”.
Amendment by Pub. L. 115–174 effective 1 year after
Amendment by Pub. L. 111–203 effective on the designated transfer date, see section 1100H of Pub. L. 111–203, set out as a note under section 552a of Title 5, Government Organization and Employees.
Amendment by Pub. L. 108–159 subject to joint regulations establishing effective dates as prescribed by Federal Reserve Board and Federal Trade Commission, except as otherwise provided, see section 3 of Pub. L. 108–159, set out as a note under section 1681 of this title.
Amendment by section 412 of Pub. L. 108–159 effective at end of 15-month period beginning on
Pub. L. 108–159, title VIII, § 811(c)(2)(B),
Amendment by Pub. L. 105–347 deemed to have same effective date as amendments made by section 2403 of Pub. L. 104–208, see section 7 of Pub. L. 105–347, set out as a note under section 1681a of this title.
Amendment by Pub. L. 104–208 effective 365 days after
Amendment by Pub. L. 95–598 effective
Section effective upon the expiration of one hundred and eighty days following
Pub. L. 115–174, title III, § 302(c), “(1) For purposes of this subsection—“(A) the term ‘consumer reporting agency’ means a consumer reporting agency described in section 603(p) of the Fair Credit Reporting Act (15 U.S.C. 1681a(p)); and“(B) the terms ‘veteran’ and ‘veteran’s medical debt’ have the meanings given those terms in section 603 of the Fair Credit Reporting Act (15 U.S.C. 1681a), as added by subsection (b)(1).“(2) Not later than 1 year after the date of enactment of this Act [“(3) The Secretary of Veterans Affairs shall ensure that the database established under paragraph (2), to the extent permitted by law, provides consumer reporting agencies with—“(A) sufficiently detailed and specific information to verify whether a debt being furnished to the consumer reporting agency is a veteran’s medical debt;“(B) access to verification information in a secure electronic format;“(C) timely access to verification information; and“(D) any other features that would promote the efficient, timely, and secure delivery of information that consumer reporting agencies could use to verify whether a debt is a veteran’s medical debt.“(4) Prior to establishing the database for verification under paragraph (2), the Secretary of Veterans Affairs shall publish in the Federal Register a notice and request for comment that solicits input from consumer reporting agencies and other stakeholders.“(5) Provided the database established under paragraph (2) is fully functional and the data available to consumer reporting agencies, a consumer reporting agency shall use the database as a means to identify a veteran’s medical debt pursuant to paragraphs (7) and (8) of section 605(a) of the Fair Credit Reporting Act (15 U.S.C. 1681c(a)), as added by subsection (b)(2).”