Article 1. General Provisions - California Civil Code Section 1786
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California Laws > Civil Code > Article 1. General Provisions - California Civil Code Section 1786
1786. The Legislature finds and declares as follows:
(a) Investigative consumer reporting agencies have assumed a vital
role in collecting, assembling, evaluating, compiling, reporting,
transmitting, transferring, or communicating information on consumers
for employment and insurance purposes, and for purposes relating to
the hiring of dwelling units, subpoenas and court orders, licensure,
and other lawful purposes.
(b) There is a need to insure that investigative consumer
reporting agencies exercise their grave responsibilities with
fairness, impartiality, and a respect for the consumer's right to
(c) The crime of identity theft in this new computer era has
exploded to become the fastest growing white collar crime in America.
(d) The unique nature of this crime means it can often go
undetected for years without the victim being aware his identity has
(e) Because notice of identity theft is critical before the victim
can take steps to stop and prosecute this crime, consumers are best
protected if they are automatically given copies of any investigative
consumer reports made on them.
(f) It is the purpose of this title to require that investigative
consumer reporting agencies adopt reasonable procedures for meeting
the needs of commerce for employment, insurance information, and
information relating to the hiring of dwelling units in a manner
which is fair and equitable to the consumer, with regard to the
confidentiality, accuracy, relevancy, and proper utilization of the
information in accordance with the requirements of this title.
(g) The Legislature hereby intends to regulate investigative
consumer reporting agencies pursuant to this title in a manner which
will best protect the interests of the people of the State of
Last modified: February 16, 2015