Title 15 — Commerce and TradeRelease 119-73
§1681s–1 Information on overdue child support obligations
Title 15 › Chapter CHAPTER 41— - CONSUMER CREDIT PROTECTION › Subchapter SUBCHAPTER III— - CREDIT REPORTING AGENCIES › § 1681s–1
Summary
Credit-reporting companies must include records of unpaid child support in any credit report if the information comes from a state or local child support agency or is confirmed by a government agency, and if it dates to within 7 years.
Full Legal Text
Title 15, §1681s–1
Commerce and Trade — Source: USLM XML via OLRC
Notwithstanding any other provision of this subchapter, a consumer reporting agency shall include in any consumer report furnished by the agency in accordance with section 1681b of this title, any information on the failure of the consumer to pay overdue support which—
(1)is provided—
(A)to the consumer reporting agency by a State or local child support enforcement agency; or
(B)to the consumer reporting agency and verified by any local, State, or Federal Government agency; and
(2)antedates the report by 7 years or less.
Legislative History
Notes & Related Subsidiaries
Editorial Notes
Prior Provisions
A prior section 622 of Pub. L. 90–321 was renumbered section 625 and is classified to section 1681t of this title.
Statutory Notes and Related Subsidiaries
Effective Date
Section effective Jan. 1, 1993, see section 2(d) of Pub. L. 102–537, set out as an
Effective Date
of 1992 Amendment note under section 1681a of this title.
Reference
Citations & Metadata
Citation
15 U.S.C. § 1681s–1
Title 15 — Commerce and Trade
Last Updated
Apr 6, 2026
Release point: 119-73