To amend the Fair Credit Reporting Act to prevent consumer reporting agencies from furnishing consumer reports under certain circumstances, and for other purposes, section 3, Sec. 3.
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The Act takes effect 180 days after enactment
The document says “shall”Who acts: CongressHow: statuteSec. 3 in the PDF
What the document says
“This Act, and the amendments made by this Act, shall take effect on the date that is 180 days after the date of enactment of this Act.”
Section 3 provides that the Act, and the amendments it makes, take effect 180 days after the date of enactment. The law was approved September 5, 2025.
What the document actually says
“This Act, and the amendments made by this Act, shall take effect on the date that is 180 days after the date of enactment of this Act.”
That sentence, in plain words
The law starts 180 days after it is signed.
What this is about
A law does not always start the day it is signed. This one names a later day.
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number against the Act itself before publishing. The paragraph underneath is our summary,
not the document's words. So is the plain English version, which is why it sits beside the
quotation rather than replacing it.
