Title 15, Commerce and TradeRelease 119-102
§1681s–1 Information on Overdue Child Support Obligations
Title 15 › CHAPTER 41 — CONSUMER CREDIT PROTECTION › SUBCHAPTER III — CREDIT REPORTING AGENCIES › § 1681s–1
Summary
Credit reporting companies must put information about unpaid child support on any report they give if the information comes from a state or local child support agency, or if any local, state, or federal government agency provided it and checked that it’s correct. The unpaid child support must be from 7 years ago or more recent.
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
Aug 21, 2026
Release point: 119-102