FCRA Definitions 15 U.S.C. § 1681a
Defines 'consumer reporting agency,' 'consumer report,' 'furnisher,' and key terms that determine who FCRA applies to. Coverage hinges on whether an entity regularly furnishes or assembles consumer information.
Key provisions
- Consumer reporting agency definition
- Nationwide specialty agency definition
- Exclusions for check-services and certain property data
Query this statute via API
Royal Ruby returns structured citations, plain-English summaries, reporting timelines, and statutes of limitations for this and related statutes. $0.05 per call, USDC on Base mainnet via x402 — no API keys, no signup.
curl -X POST https://royal-ruby-x402.fly.dev/api/law-lookup \
-H 'Content-Type: application/json' \
-d '{"topic": "FCRA Definitions", "statute": "15 U.S.C. § 1681a"}'
# -> 402 challenge: $0.05 USDC on Base (eip155:8453), payTo 0x9b8a...f72f
# Settle with any x402 client (@x402/fetch, MCP x402 tools), replay with payment header.
Full background and the service fleet: RAEN blog — Live x402 Agent APIs. Information only — not legal advice.