{"data":{"id":"us/15-u.s.c.-1681x","jurisdiction":"us","citation":"15 U.S.C. § 1681x","heading":"Corporate and technological circumvention prohibited","body":"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.","path":["Title 15—COMMERCE AND TRADE","CHAPTER 41—CONSUMER CREDIT PROTECTION"],"source_url":"https://uscode.house.gov/download/releasepoints/us/pl/119/103/xml_usc15@119-103.zip","current_through":"Public Law 119-103 (09/02/2026)","vintage":"","retrieved_at":"2026-09-10T05:56:39Z","sha256":"29fe6956c76b700a4c601aaa3827f95ab422c7c47e6fd01ad7c7d96af6b8078e","source_id":"us","stale":true,"prev":"us/15-u.s.c.-1681w","next":"us/15-u.s.c.-1691"},"notice":"GroundRules: Original legal text. Not legal advice."}