The Fair Credit Reporting Act (FCRA) is a federal law that regulates how consumer reporting agencies use your information. Enacted in 1970 and substantially amended in the late 1990s and again in 2003, the FCRA, among other things, restricts who has access to your sensitive credit information and how that information can be used.

The FCRA is a complex piece of legislation that was enacted to help protect the consumer. We have provided a Summary of Consumer Rights Under the Fair Credit Reporting Act for you to read and download.

Click Here for the Vermont Fair Credit Reporting Act Section 2480(e).

For more information, including information about additional rights, go to or write to:
Consumer Response Center, Room 130-A
Federal Trade Commission
600 Pennsylvania Ave. N.W.
Washington, DC 20580.