Consumer rights

Summary of Your Rights Under the Fair Credit Reporting Act

The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to or write to: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington DC 20552.

  1. a. Banks, savings associations, and credit unions with total assets of over $10 billion and their affiliates.

  2. b. Such affiliates that are not banks, savings associations, or credit unions also should list, in addition to the Bureau:"
  1. Consumer Financial Protection Bureau
  2. 1700 G Street, N.W.
    Washington, DC 20552

  3. Federal Trade Commission: Consumer Response Center - FCRA
  4. Washington, DC 20580
    (877) 382-4357
  1. To the extent not included in item 1 above:

  1. National banks, federal savings associations, and federal branches and federal agencies of foreign banks

  2. State member banks, branches and agencies of foreign banks (other than federal branches, federal agencies, and Insured State Branches of Foreign Banks), commercial lending companies owned or controlled by foreign banks, and organizations operating under Section 25 or 25A of the Federal Reserve Act

  3. Nonmember Insured Banks, Insured State Branches of Foreign Banks, and insured state savings associations

  4. Federal Credit Unions
  1. Office of the Comptroller of the Currency Customer Assistance Group 1301 McKinney Street, Suite 3450 Houston, TX 77010-9050

  2. Federal Reserve Consumer Help Center P.O. Box 1200 Minneapolis, MN 55480

  3. FDIC Consumer Response Center 1100 Walnut Street, Box #11 Kansas City, MO 64106

  4. National Credit Union Administration Office of Consumer Protection (OCP) Division of Consumer Compliance and Outreach (DCCO) 1775 Duke Street Alexandria, VA 22314
  1. Air carriers
Asst. General Counsel for Aviation Enforcement & Proceedings Aviation Consumer Protection Division
Department of Transportation
1200 New Jersey Avenue, S.E.
Washington, D.C. 20590
  1. Creditors Subject to Surface Transportation Board
Office of Proceedings, Surface Transportation Board
Department of Transportation
395 E Street, S.W.
Washington, D.C. 20423
  1. Creditors Subject to Packers and Stockyards Act, 1921
Nearest Packers and Stockyards Administration area supervisor
  1. Small Business Investment Companies
Associate Deputy Administrator for Capital Access United States Small Business Administration
409 Third Street, SW, 8th Floor
Washington, D. C. 20416
  1. Brokers and Dealers
Securities and Exchange Commission
100 F Street, N.E.
Washington, DC 20549
  1. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks, and Production Credit Associations
Farm Credit Administration
1501 Farm Credit Drive
McLean, VA 22102-5090
  1. Retailers, Finance Companies, and All Other Creditors Not Listed Above
FTC Regional Office for region in which the creditor operates or Federal Trade Commission: Consumer Response Center - FCRA Washington, DC 20580 (877) 382-4357