(1) with respect to any subject
matter regulated under—
(A) subsection (c) or (e) of section 604, relating to the prescreening
of consumer reports;
(B) section
611, relating to the time by which a consumer reporting agency must
take any action, including the provision of notification to a consumer
or other person, in any procedure related to the disputed accuracy
of information in a consumer’s file, except that this subparagraph
shall not apply to any State law in effect on the date of enactment
of the Consumer Credit Reporting Reform Act of 1996;
(C) subsections (a) and (b) of section
615, relating to the duties of a person who takes any adverse action
with respect to a consumer;
(D)
section 615(d), relating to the duties of persons who use a consumer
report of a consumer in connection with any credit or insurance transaction
that is not initiated by the consumer and that consists of a firm
offer of credit or insurance;
(E) section 605, relating to information contained in consumer reports,
except that this subparagraph shall not apply to any State law in
effect on the date of enactment of the Consumer Credit Reporting Reform
Act of 1996;
(F) section 623,
relating to the responsibilities of persons who furnish information
to consumer reporting agencies, except that this paragraph shall not
apply—
(i) with respect
to section 54A(a) of chapter 93 of the Massachusetts Annotated Laws
(as in effect on the date of enactment of the Consumer Credit Reporting
Reform Act of 1996); or
(ii) with respect
to section 1785.25(a) of the California Civil Code (as in effect on
the date of enactment of the Consumer Credit Reporting Reform Act
of 1996);
(G)
section 609(e), relating to information available to victims under
section 609(e);
(H) section 624,
relating to the exchange and use of information to make a solicitation
for marketing purposes;
(I) section
615(h), relating to the duties of users of consumer reports to provide
notice with respect to terms in certain credit transactions;
(J) subsections (i) and (j) of section
605A relating to security freezes; or
(K) subsection (k) of section 605A,
relating to credit monitoring for active duty military consumers,
as defined in that subsection;
(2) with respect to the exchange of information
among persons affiliated by common ownership or common corporate control,
except that this paragraph shall not apply with respect to subsection
(a) or (c)(1) of section 2480e of title 9, Vermont Statutes Annotated
(as in effect on the date of enactment of the Consumer Credit Reporting
Reform Act of 1996);
6-1577.11
(3) with respect to the disclosures required to be made under subsection
(c), (d), (e), or (g) of section 609, or subsection (f) of section
609 relating to the disclosure of credit scores for credit granting
purposes, except that this paragraph—
(A) shall not apply with respect to
sections 1785.10, 1785.16, and 1785.20.2 of the California Civil Code
(as in effect on the date of enactment of the Fair and Accurate Credit
Transactions Act of 2003) and section 1785.15 through section 1785.15.2
of such Code (as in effect on such date);
(B) shall not apply with respect to
sections 5-3-106(2) and 212-14.3-104.3 of the Colorado Revised Statutes
(as in effect on the date of enactment of the Fair and Accurate Credit
Transactions Act of 2003); and
(C) shall not be construed as limiting, annulling, affecting, or
superseding any provision of the laws of any State regulating the
use in an insurance activity, or regulating disclosures concerning
such use, of a credit-based insurance score of a consumer by any person
engaged in the business of insurance;
(4) with respect to the frequency of any
disclosure under section 612(a), except that this paragraph shall
not apply—
(A) with
respect to section 12-14.3-105(1)(d) of the Colorado Revised Statutes
(as in effect on the date of enactment of the Fair and Accurate Credit
Transactions Act of 2003);
(B)
with respect to section 10-1-393(29)(C) of the Georgia Code (as in
effect on the date of enactment of the Fair and Accurate Credit Transactions
Act of 2003);
(C) with respect
to section 1316.2 of title 10 of the Maine Revised Statutes (as in
effect on the date of enactment of the Fair and Accurate Credit Transactions
Act of 2003);
(D) with respect
to sections 14-1209(a)(1) and 14-1209(b)(1)(i) of the Commercial Law
Article of the Code of Maryland (as in effect on the date of enactment
of the Fair and Accurate Credit Transactions Act of 2003);
(E) with respect to section 59(d) and
section 59(e) of chapter 93 of the General Laws of Massachusetts (as
in effect on the date of enactment of the Fair and Accurate Credit
Transactions Act of 2003);
(F)
with respect to section 56:11-37.10(a)(1) of the New Jersey Revised
Statutes (as in effect on the date of enactment of the Fair and Accurate
Credit Transactions Act of 2003); or
(G) with respect to section 2480c(a)(1)
of title 9 of the Vermont Statutes Annotated (as in effect on the
date of enactment of the Fair and Accurate Credit Transactions Act
of 2003); or
6-1577.12
(5) with respect to the conduct required by the specific provisions
of—
(A) section 605(g);
(B) section 605A;
(C) section 605B;
(D) section 609(a)(1)(A);
(E) section 612(a);
(F) subsections (e), (f), and (g) of
section 615;
(G) section 621(f);
(H) section 623(a)(6); or
(I) section 628.
[15 USC 1681t. As amended by acts of Sept. 30,
1996 (110 Stat. 3009-447, 452); Dec. 4, 2003 (117 Stat. 1964, 1977,
1980, 1983, 1989, 2011); and May 24, 2018 (132 Stat. 1332, 1335).]
