($615 continued) *(d) Except for information described in subsections (c), (d) and (e) of section 609, a consumer reporting agency may not by contract or otherwise prohibit a user of any consumer report from disclosing the contents of a consumer report to the consumer to whom it relates." (e)TM) No person shall be held hable for any violation of this section if be shows by a preponderance of the evidence that at the time of the alleged violation be maintained reasonable procedures to assure comphoner with the provisions of subsections (2), and (b) and (c) "(f) Compliance with Section 6 (Notice of Adverse Credit Decision) and Section 7 (Consumer Access to Credit Information) of the Fair Credit Information Practices Act shall be deemed compliance with the requirements of this Section for any creditor subject to those provisions of the Fair Credit Information Practices Act. "(g) Compliance with Section 8 (Adverse Underwriting Decision) of the Fair Insurance Information Practices Act shall be deemed compliance with the requirements of this Section for insurance institutions subject to that provision of the Fair Insurance Information Practices Act." "Section 616. Pretext interviews "A consumer reporting agency may not use or authorize the use of interviews to obtain information about a consumer in which the interviewer (a) represents directly or by implication that he is someone he is not, (b) represents directly or by implication that he represents a person he is not in fact representing, (c) misrepresents the true purpose of the interview, or (d) upon request, refuses to identify or incorrectly or incompletely identifies himself, his employer, or the person requesting the report." 417 or any other person "§646. Civil liability for willful noncompliance of the failure; and “(2) such amount of punitive damages as the court may allow; "(3) in the case of any successful action to enforce any liability "(b) Any person which willfully obtains information on a consumer from a consumer reporting agency for a purpose other than "(1) any actual damages sustained by the consumer, but not "(2) such amount of punitive damages as the court may allow; and "(3) in the case of any successful action to enforce any liability 618 "§67. Civil liability for uegligent noncompliance or any other person sformation which is "Any consumer reporting agency - of the failure; "(2) in the case of any successful action to enforce any liability 619 "§. Jurisdiction of courts; limitation of actions “An action to enforce any liability created under this title may be or independent authorization service} 620 "§69. Obtaining information under false pretenses or by deception or "Any person who knowingly willbeedles obtains information on a "Section 621. Alteration of consumer reports "Any person who knowingly alters, forges, or counterfeits a 622 “§620. Unauthorized disclosures by officers or employees "Any officer or employee of a consumer reporting agency who 810,000 -or independent service's "Section 623. Federal Reserve Board authority "The Federal Reserve Board shall prepare a model summary of consumers' 624 "Sr. Administrative enforcement "(a) Compliance with the requirements imposed under this title shall be enforced under the Federal Trade Commission Act by the Federal Trade Commission with respect to consumer reporting agencies and all other persons subject thereto, except to the extent that enforcement of the requirements imposed under this title is specifically committed to some other government agency under subsection (b) hereof. For the purpose of the exercise by the Federal Trade Commission of its functions and powers under the Federal Trade Commission Act, a violation of any requirement or proibition imposed under this title shall constitute an unfair or deceptive act or practice in commerce in violation of section 5 (a) of the Federal Trade Commission Act and shall be subject to enforcement by the Federal Trade Commission under section 5 (b) thereof with respect to any consumer reporting agency or person subject to enforcement by the Federal Trade Commission pursuant to this subsection, irrespective of whether that person is engaged in commerce or meets any other juris dictional tests in the Federal Trade Commission Act. The Federal Trade Commission shall have such procedural, investigative, and enforcement powers, including the power to issue procedural rules in enforcing compliance with the requirements imposed under this title and to require the filing of reports, the production of documents, and the appearance of witnesses as though the applicable terms and conditions of the Federal Trade Commission Act were part of this title Any person violating any of the provisions of this title shall be subject to the penalties and entitled to the privileges and immunities provided in the Federal Trade Commission Act as though the applicable terms and provisions thereof were part of this title and under the Fair Authorization Information Practices Act the Fair der the Fair ation ation Practices Act (b) Compliance with the requirements imposed under this title with respect to consumer reporting agencies and persons who use consumer reports from such agencies shall be enforced under of: "(1) section 8 of the Federal Deposit Insurance Vet, in the case "(A) national banks, by the Comptroller of the Currency; (C) banks insured by the Federal Deposit Insurance Corpora (3) the Federal Credit Union Act, by the disintent of the National Credit Union Administration with respect to any Federal Board credit union; (4) the Acts to regulate commerce, by the Interstate Commerce Commission with respect to any common carrier subject to those Acts: (5) the Federal Aviation Act of 1958, by the Civil Aeronautics Board with respect to any air carrier or foreign air carrier subject to that Act: and (6) the Packers and Stockyards Act, 1921 (except as provided in "(e) For the purpose of the exercise by any agency referred to in independent authorization services, or Federallyinsured under the Fair Authorization Information Practices Act 625 "§622 Relation to State laws "This title does not anuul, alter, affect, or exempt any person The Federal Reserve Board is authorized to determine whether such inconsistencies exist. The Board or the Fair Authorization Information Practices Act This Section clarifies and extends some of the original FCRA definitions and adds several others required by the broadened scope of the Act. The definition of "consumer report" is expanded to make clear that it includes information regarding the consumer's check writing experiences for check authorization purposes. It also explicitly provides that information on a consumer's health constitutes a consumer report if used for the purposes listed in the Act. The uses which make information a "consumer report" have been amended to encompass the permissible uses contained in the original Section 604(3). This technical change is required because the original definition in the Act refers to Section 604(3) and that Section is being revised by these amendments. - The original definition of "consumer report" excludes information about transactions between a creditor and consumer "first-hand" experiences. The definition is amended to make clear that this exclusion does not apply to information obtained by covert physical surveillance or to the results of polygraph examinations. Also, the amendment excludes a transfer of information to joint users of a consumer report as well as to subsequent purchasers of an obligation. Information reported to a guarantor, subsequent purchaser, coinsurer, or reinsurer is also excluded by the amendment. The amended definition provides that information collected and expected |