15 USC § 1681x - Corporate and technological circumvention prohibited

---
identifier: "/us/usc/t15/s1681x"
source: "usc"
legal_status: "official_prima_facie"
title: "15 USC § 1681x - Corporate and technological circumvention prohibited"
title_number: 15
title_name: "COMMERCE AND TRADE"
section_number: "1681x"
section_name: "Corporate and technological circumvention prohibited"
chapter_number: 41
chapter_name: "CONSUMER CREDIT PROTECTION"
subchapter_number: "III"
subchapter_name: "CREDIT REPORTING AGENCIES"
positive_law: false
currency: "119-84"
last_updated: "2026-04-17"
format_version: "1.1.0"
generator: "[email protected]"
source_credit: "(Pub. L. 90–321, title VI, § 629, as added Pub. L. 108–159, title II, § 211(b), Dec. 4, 2003, 117 Stat. 1970.)"
---


# § 1681x. Corporate and technological circumvention prohibited

The Commission shall prescribe regulations, to become effective not later than 90 days after December 4, 2003, to prevent a consumer reporting agency from circumventing or evading treatment as a consumer reporting agency described in section 1681a(p) of this title for purposes of this subchapter, including—

**(1)** by means of a corporate reorganization or restructuring, including a merger, acquisition, dissolution, divestiture, or asset sale of a consumer reporting agency; or

**(2)** by maintaining or merging public record and credit account information in a manner that is substantially equivalent to that described in paragraphs (1) and (2) of section 1681a(p) of this title, in the manner described in section 1681a(p) of this title.

---

**Source Credit**: (Pub. L. 90–321, title VI, § 629, as added Pub. L. 108–159, title II, § 211(b), Dec. 4, 2003, 117 Stat. 1970.)

## Statutory Notes and Related Subsidiaries

### Effective Date

Section subject to joint regulations establishing effective dates as prescribed by Federal Reserve Board and Federal Trade Commission, except as otherwise provided, see , set out as an Effective Date of 2003 Amendment note under .