Volume 5, Edition 11, November 2009

This Month’s Challenge is sponsored by:



Answer: B. Under section 609, any time a CRA provides a copy of the consumer report to the consumer, it must include a copy of the summary of rights. Additionally, under section 604 , a CRA must provide a copy of the Summary of Rights to its end-users prior to running consumer reports for the end user.

Under the FCRA, a CRA has to provide a copy of the Summary of Rights to:

A. No one, that is the end-user's responsibility only.

B. The consumer and the end user

C. The consumer only if he or she requests such a summary

D. The end user only


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