{"code":"CIV","codeName":"Civil Code","section":"1785.15.2","citation":"Civ. Code, § 1785.15.2","status":"in-force","lawOn":"2026-09-28","headings":[{"name":"DIVISION 3. OBLIGATIONS [1427. - 3273.91.]","url":"https://blackletter.si/civil-code/division-3"},{"name":"PART 4. OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS [1738. - 3273.91.]","url":"https://blackletter.si/civil-code/division-3/part-4"},{"name":"TITLE 1.6. CONSUMER CREDIT REPORTING AGENCIES ACT [1785.1. - 1785.36.]","url":"https://blackletter.si/civil-code/division-3/part-4/title-1.6"},{"name":"CHAPTER 2. Obligations of Consumer Credit Reporting Agencies [1785.10. - 1785.19.5.]","url":"https://blackletter.si/civil-code/division-3/part-4/title-1.6/chapter-2"}],"history":"Added by Stats. 2000, Ch. 978, Sec. 4.   Effective January 1, 2001.   Operative July 1, 2001, by Sec. 7 of Ch. 978.","effective":"2001-01-01","html":"<p>(a) In complying with Section <a href=\"/civ/1785.15.1\">1785.15.1</a>, a consumer credit reporting agency shall supply the consumer with a credit score that is derived from a credit scoring model that is widely distributed to users by that consumer credit reporting agency in connection with residential real property loans or with a credit score that assists the consumer in understanding the credit scoring assessment of his or her credit behavior and predictions about his or her future credit behavior, and a statement indicating that the information and credit scoring model may be different than that used by the lender.</p><p>(b) A consumer credit reporting agency may charge a reasonable fee for providing the information required under Section <a href=\"/civ/1785.15.1\">1785.15.1</a>.</p>","text":"(a) In complying with Section 1785.15.1, a consumer credit reporting agency shall supply the consumer with a credit score that is derived from a credit scoring model that is widely distributed to users by that consumer credit reporting agency in connection with residential real property loans or with a credit score that assists the consumer in understanding the credit scoring assessment of his or her credit behavior and predictions about his or her future credit behavior, and a statement indicating that the information and credit scoring model may be different than that used by the lender. (b) A consumer credit reporting agency may charge a reasonable fee for providing the information required under Section 1785.15.1.","otherVersions":[],"url":"https://blackletter.si/civil-code/obligations-of-consumer-credit-reporting-agencies-1785-15-2","source":"California Legislative Information bulk export (pubinfo)"}