Does the DCIA now authorize agencies to obtain credit reports for debt collection purposes?
Yes. An agency may obtain a credit report or comparable credit information, such as a summary report, on any individual or entity responsible for a delinquent debt. • Does the DCIA now require agencies to report delinquent non-tax debt to credit bureaus? Yes. The DCIA now requires agencies to report delinquent commercial and consumer non-tax debt to credit bureaus. The DCIA did not change the requirement that an agency must comply with Privacy Act requirements and provide a 60-day notice to the debtor before reporting a delinquent consumer debt. • Did the DCIA make any changes to the requirements for accounts that are current (i.e., not delinquent)? Yes. The DCIA now authorizes agencies to report non-delinquent consumer and commercial debt to credit bureaus, providing the agency has provided the necessary Privacy Act notices for consumer debt. The agency must ensure that its system of record notices indicates that it may report current accounts before doing so.
Yes. An agency may obtain a credit report or comparable credit information, such as a summary report, on any individual or entity responsible for a delinquent debt. • Does the DCIA now require agencies to report delinquent non-tax debt to credit bureaus? Yes. The DCIA now requires agencies to report delinquent commercial and consumer non-tax debt to credit bureaus. The DCIA did not change the requirement that an agency must comply with Privacy Act requirements and provide a 60-day notice to the debtor before reporting a delinquent consumer debt. • Did the DCIA make any changes to the requirements for accounts that are current (i.e., not delinquent)? Yes. The DCIA now authorizes agencies to report non-delinquent consumer and commercial debt to credit bureaus, providing the agency has provided the necessary Privacy Act notices for consumer debt. The agency must ensure that its system of record notices indicates that it may report current accounts before doing so. • What does an agency do
