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Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>
2026-07-06 10:51:44 -04:00

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LegalText 15 U.S.C. § 1681q Obtaining information under false pretenses us united_states_code code_section 15 COMMERCE AND TRADE 41 CONSUMER CREDIT PROTECTION 1681q 15 U.S.C. § 1681q current 119-100 2026-06-26 official https://uscode.house.gov/download/releasepoints/us/pl/119/100/xml_usc15@119-100.zip /us/usc/t15/s1681q data/legal/raw/us/code/title-15/usc15.xml 875d99a39269a460e38cbacd92f246ff23047a908cbdf923d30e1794d6235391 6982338d990ef19d6b52bff6825089bdd6d0ee1233d9382673faf533decd5059 746022687d7ce6222626e472ed1b753fe2a95f128d501ce6bafd5f799ea4f1c9 2026-07-04 official
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15 U.S.C. § 1681q - Obtaining information under false pretenses

Text

Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

(Pub. L. 90321, title VI, § 619, as added Pub. L. 91508, title VI, § 601, Oct. 26, 1970, 84 Stat. 1134; amended Pub. L. 104208, div. A, title II, § 2415(a), Sept. 30, 1996, 110 Stat. 3009450.)

Notes

Editorial Notes

Amendments1996—Pub. L. 104208 substituted “fined under title 18, imprisoned for not more than 2 years, or both” for “fined not more than $5,000 or imprisoned not more than one year, or both”.

Statutory Notes and Related Subsidiaries

Effective Date of 1996 AmendmentAmendment by Pub. L. 104208 effective 365 days after Sept. 30, 1996, with special rule for early compliance, see section 2420 of Pub. L. 104208, set out as a note under section 1681a of this title.

Effective DateSection effective upon the expiration of one hundred and eighty days following Oct. 26, 1970, see section 504(d) of Pub. L. 90321, as added by Pub. L. 91508, set out as a note under section 1681 of this title.