- 101: Learn About Credit
- 201: Learn About Credit Repair
- 301: Learn About Us
- 401: Learn About Credit Laws
- Lesson 1: Fair Credit Reporting Act
- Lesson 2: Fair and Accurate Credit Transations Act
- Lesson 3: Fair Credit Billing Act
- Lesson 4: Equal Credit Opportunity Act
- Lesson 5: Credit Repair Organizations Act
- Lesson 6: Fair Debt Collection Practices Act
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§ 629. Corporate and technological circumvention prohibited [15 U.S.C. §1681x]
The Commission shall prescribe regulations, to become effective not later than 90
days after the date of enactment of this section, to prevent a consumer reporting agency from
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circumventing or evading treatment as a consumer reporting agency described in section
603(p) for purposes of this title, including–
(1) by means of a corporate reorganization or restructuring, including a merger, acquisition,
dissolution, divestiture, or asset sale of a consumer reporting agency; or
(2) by maintaining or merging public record and credit account information in a
manner that is substantially equivalent to that described in paragraphs (1) and (2)
of section 603(p), in the manner described in section 603(p).
See also 16 CFR Part 611
69 Fed. Reg. 8531 (02/24/04)
69 Fed. Reg. 29061 (05/20/04)
Legislative History
House Reports: No. 91-975 (Comm. on Banking and Currency) and
No. 91-1587 (Comm. of Conference)
Senate Reports: No. 91-1139 accompanying S. 3678 (Comm. on Banking and Currency)
Congressional Record, Vol. 116 (1970)
May 25, considered and passed House.
Sept. 18, considered and passed Senate, amended.
Oct. 9, Senate agreed to conference report.
Oct. 13, House agreed to conference report.
Enactment: Public Law No. 91-508 (October 26, 1970):
Amendments: Public Law Nos. 95-473 (October 17, 1978)
95-598 (November 6, 1978)
98-443 (October 4, 1984)
101-73 (August 9, 1989)
102-242 (December 19, 1991)
102-537 (October 27, 1992)
102-550 (October 28, 1992)
103-325 (September 23, 1994)
104-88 (December 29, 1995)
104-93 (January 6, 1996)
104-193 (August 22, 1996)
104-208 (September 30, 1996)
105-107 (November 20, 1997)
105-347 (November 2, 1998)
106-102 (November 12, 1999)
107-56 (October 26, 2001)
108-159 (December 4, 2003)
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