Fair Credit Reporting Act (FCRA)

§ 629. Corporate and technological circumvention prohibited [15 U.S.C. §1681x]

The Commission shall prescribe regulations, to become effective not later than 90
days after the date of enactment of this section, to prevent a consumer reporting agency from
circumventing or evading treatment as a consumer reporting agency described in section
603(p) for purposes of this title, 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 603(p), in the manner described in section 603(p).