FCRA Fraud Alerts and Active Duty Alerts 15 U.S.C. § 1681c-1
Requires CRAs to place initial 1-year, extended 7-year, and military active-duty fraud alerts on a consumer's file upon request. Each alert entitles the consumer to a free credit report and blocks prescreened offers.
Key provisions
- Initial 1-year fraud alert
- Extended 7-year fraud alert with credit lock
- Active-duty alert for servicemembers
- Free report copies per alert
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 Fraud Alerts and Active Duty Alerts", "statute": "15 U.S.C. § 1681c-1"}'
# -> 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.