A prior section 625 of Pub. L. 90–321 was renumbered section 626 and is classified to section 1681u of this title.

2018—Subsec. (b)(1)(J). Pub. L. 115–174, § 301(b), added subpar. (J).

Subsec. (b)(1)(K). Pub. L. 115–174, § 302(d)(2), added subpar. (K).

2003—Subsec. (a). Pub. L. 108–159, § 711(1), inserted “or for the prevention or mitigation of identity theft,” after “information on consumers,”.

Subsec. (b)(1)(E). Pub. L. 108–159, § 214(c)(2)(A), struck out “or” after semicolon at end.

Subsec. (b)(1)(G). Pub. L. 108–159, § 151(a)(2), added subpar. (G).

Subsec. (b)(1)(H). Pub. L. 108–159, § 214(c)(2)(B), added subpar. (H).

Subsec. (b)(1)(I). Pub. L. 108–159, § 311(b), added subpar. (I).

Subsec. (b)(3), (4). Pub. L. 108–159, § 212(e), added pars. (3) and (4) and struck out former par. (3) which read as follows: “with respect to the form and content of any disclosure required to be made under section 1681g(c) of this title.”

Subsec. (b)(5). Pub. L. 108–159, § 711(2), added par. (5).

Subsec. (d). Pub. L. 108–159, § 711(3), substituted “(b) and (c)” for “(b) and (c)—”, struck out par. (1) designation before “do not affect”, substituted “1996.” for “1996; and”, and struck out par. (2) which read as follows:

“(2) do not apply to any provision of State law (including any provision of a State constitution) that—

“(A) is enacted after January 1, 2004;

“(B) states explicitly that the provision is intended to supplement this subchapter; and

“(C) gives greater protection to consumers than is provided under this subchapter.”

1996—Subsec. (a). Pub. L. 104–208, § 2419(1), designated existing provisions as subsec. (a), inserted heading, and substituted “Except as provided in subsections (b) and (c), this subchapter” for “This subchapter”.

Subsecs. (b) to (d). Pub. L. 104–208, § 2419(2), added subsecs. (b) to (d).

Amendment by section 301(b) of Pub. L. 115–174 effective 120 days after May 24, 2018, see section 301(c) of Pub. L. 115–174, set out as a note under section 1681c–1 of this title.

Amendment by section 302(d)(2) of Pub. L. 115–174 effective 1 year after May 24, 2018, see section 302(e) of Pub. L. 115–174, set out as a note under section 1681a of this title.

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 Pub. L. 104–208 effective 365 days after Sept. 30, 1996, with special rule for early compliance, see section 2420 of Pub. L. 104–208, set out as a note under section 1681a of this title.

Section effective upon the expiration of one hundred and eighty days following Oct. 26, 1970, see section 504(d) of Pub. L. 90–321, as added by Pub. L. 91–508, set out as a note under section 1681 of this title.