美国公平信用报告法（FCRA）译本
译者：billtown billtonn./
2016年开学第一课观后感公平信用报告法是本人于2002年为研究信用立法而做的基础工作，现分三篇全文送上，欢迎批评指正。
THE FAIR CREDIT REPORTING ACT
TABLE OF CONTENTS
§ 601 Short title 小标题
§ 602 Congressional findings and statement of purpo 国会决定和目的说明
§ 603 Definitions; rules of construction 定义：法律解释规则
§ 604 Permissible purpos of consumer reports 消费者报告可允许达到的目的
§ 605 Requirements relating to information contained in consumer reports
对消费者报告有关信息的要求
§ 606 Disclosure of investigative consumer reports 经调查的消费者报告的披露
§ 607 Compliance procedures 须遵守的程序
§ 608 Disclosures to governmental agencies自学网站 向政府机构披露
§ 609 Disclosures to consumers 向消费者披露
§ 610 Conditions and form of disclosure to consumers 对消费者披露的条件和格式
§ 611 Procedure in ca of disputed accuracy 准确性争议发生时的处理程序
§ 612 Charges for certain disclosures 对某些披露收取的费用
§ 613 Public record information for employment purpos 为就业目的提供公共记录信息
§ 614 feel是什么意思Restrictions on investigative consumer reports 对经调查的消费者报告的限制
§ 615 Requirements on urs of consumer reports 对消费者报告使用者的要求
§ 616 Civil liability for willful noncompliance 故意违法的民事责任英语万能作文
§ 617 Civil liability for negligent noncompliance 过失违法的民事责任
§ 618 Jurisdiction of courts; limitation of actions 法院管辖权：诉讼时效
§ 619 Obtaining information under fal pretens 受欺诈而获取的信息
§ 620 Unauthorized disclosures by officers or employees 职员或雇员未经授权的披露
§ 621 Administrative enforcement 行政执行
§ 622 Information on overdue child support obligations 未尽儿童抚养义务的有关信息
§ 623 Responsibilities of furnishers of information to consumer reporting agencies
向消费者报告机构提供信息的人的责任
阿联酋帅哥
§ 624 Relation to State laws 与州法律的关系
§ 625 Disclosures to FBI for counterintelligence purpos
七年级上册英语单词为反间谍目的而向联邦调查局披露
§ 626 Disclosures to governmental agencies for counterterrorism purpos
为反恐怖行为目的而向政府机构披露
§ 601. Short title 小标题
勺子的英语This title may be cited as the Fair Credit Reporting Act.此小标题为“公平信用报告法”。
§ 602. Congressional findings and statement of purpo [15 U.S.C. § 1681]
国会决定和目的陈述
(a) Accuracy and fairness of credit reporting. The Congress makes the following findings:信用报告的准确性和公平性。国会作出如下决定：
(1) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is esntial to the continued functioning of the banking system.
金融业系统建立在公平及准确的信用报告基础之上。不准确的信用报告会直接影响金融系统的效率。不公平的信用报告方法会削弱公众的信心，影响金融业持续发展的基础。
(2) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
已有一套精心设计的机制用以调查及评估消费者的信用价值、信用状况、信用能力、信用品格和一般名誉。
(3) Consumer reporting agencies have assumed a vital role in asmbling and evaluating consumer credit and other information on consumers. 消费者报告机构承担了收集、评估消费者信用及其他有关信息的重要职责。汉英在线翻译
(4) There is a need to insure that consumer reporting agencies exerci their grave responsibilities with fairness, impartiality, and a respect for the consumer's right to privacy. 必须确保消费者报告机构在履行其职责时是公正无私的，并尊重消费者的隐私权。
(b) Reasonable procedures. It is the purpo of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
refresher
合理的程序。设定这一标题的目的是要求消费者报告机构根据本标题的要求，适用合理的程序，用对消费者公平、公正的方法，秘密、准确、中肯而适当地使用这些信息，以满足
商业对消费者信用、个人资料、保险及其他信息的需要。
§ 603. Definitions; rules of construction [15 U.S.C. § 1681a]定义；解释规则
(a) Definitions and rules of construction t forth in this ction are applicable for the purpos of this title. 本节提出的定义及解释规则适用于本部分标题的目的。
(b) The term "person" means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
“人”一词，指任何个人，合伙，公司，信托组织，不动产组织，合作社，团体协会，政府或政府所属部门，或其他实体。
(c) The term "consumer" means an individual.消费者一词指个人。
(d) Consumer report.消费者报告。
(1) In general. The term "consumer report" means any written, oral, or other communicati
多才多艺英语on of any information by a consumer reporting agency bearing on a consumer's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is ud or expected to be ud or collected in whole or in part for the purpo of rving as a factor in establishing the consumer's eligibility for
