Download - 2021 Preview Membership Program
2021 Preview Membership Program
For membership information please contact
Heather Schmitt at 717-843-8078 or by e-mail at [email protected]
Beginning April 2021, the Club will be offering a one-month Preview Membership to all
prospective members. This promotion is available through December 31, 2021.
_________________________________________________________________
To take advantage of this Preview Membership, you must complete and return the necessary application materials.
Following review, your Preview Membership starts. You will be given a member number and may begin using the Club.
No initiation fee or dues will be required during this preview period.
If you elect to continue membership beyond the Preview Membership period, your application will be voted on by the
Board. Following Board approval and payment of the appropriate initiation fee, your Preview Membership ends and
you will be considered a member according to the membership classification chosen from this document.
Membership Amenities
Pool Escape the heat at our pool complex. We have swimming programs for children of all ages. Swimming lessons are offered and lap swimming is encouraged. Summer camps, movie nights, campouts,
and Labor Day swim races are just a few of the fun activities offered at the pool. There is no better place to cool off during the summer.
Golf
Racquet Sports
The golf course at the Country Club of York is a Donald Ross designed course that has hosted the 1974 Pennsylvania Women’s Amateur, 1989 Pennsylvania Open, and the 2014 Pennsylvania Open.
Golf activities include a vibrant Men’s Association, an 18-Hole Women’s Association, a 9-Holers Women’s Group, monthly Mixed Golf Events, and an extensive Junior Golf Program. Additional amenities include Trackman analysis, club fitting services, individual, group and playing lessons.
Swing into tennis at the Country Club of York. Matches and instruction can be enjoyed on any of our courts, which include three Platform courts, three Har-Tru courts, two all-weather Tennis/Pickleball courts.
The Tennis Pro Shop offers a full line of merchandise and a full-time Tennis Professional is on hand to provide instruction. Our summer Junior Tennis Camps are run weekly from Tuesday through Friday and promote stroke fundamentals, fun, and sportsmanship. New to CCY are Pickleball courts. CCY also offers Platform Tennis clinics, private lessons, league play, and socials during the winter months. Come out and join in the fun.
Dining Facilities
No Food Minimums
The Mixed Grille is a favorite destination for card playing, television viewing and serves as a common rendezvous point for meeting your game partner after your favorite sport.
Donald Ross Lounge
Terrace Room
Mixed Grille
Our signature casual dining destination, the Donald Ross Lounge, features large screen TVs, beautifully appointed woodwork throughout, and a wonderful view of the tennis courts and golf course.
A cheery gallery with a breathtaking view of the Club's sprawling grounds. This is our most formal and romantic dining setting perfect for a date night or anniversary dinner.
Incentives
Preview Membership
Available for one month, runs through December 31, 2021
Legacy Membership Options Available for members sponsoring their children
and grandchildren
Credit Card Payment of Initiation Fees When paying initiation fee in full
No Dining Minimums
Initiation Fee Payment Plan Option
Other Club Discounts
- contact Heather Schmitt for details -
(for those new members who belong to another club or have within the past year)
Group Discounts - contact Heather Schmitt for details -
Our Professional Clubhouse Staff—Clubhouse Manager (Shannon Seitz) and Executive Chef (Robert Parker) all work closely with our Head Golf Pro (Kevin Bales), our Racquet Sports Pro (Mark Koons), our Paddle Pro (Jenni Goodling) and our swimming pool staff—to provide an
exciting array of children’s programs. These vary depending on the season and include a very active junior golf program, tennis camps for various ages and skill levels, and swimming lessons
along with a fun paddle season for children who want to learn the sport.
Listed are just a few of the activities we offer during the year for our juniors:
Father/Daughter Dance Campouts at the Pool Children’s Egg Hunt Movie Nights
Halloween Party Summer Splashes Summer Boot Camp Pizza Nights
Family Putt-Putt Extensive Jr Golf Program Kidz Clubs—monthly Santa Brunch
Paddle Tennis and Smores Cookie Decorating Character Brunches Taco Tuesdays
Membership Classifications
Initiation Fees and Dues
Full Membership
Full membership provides unlimited access to all of the Club’s outstanding facilities and amenities, including the golf course, clubhouse, dining, tennis/platform facilities, pool, and all social related events and activities. Eligibility shall
be determined by the age of the eldest spouse, if applicable. Those age 40 and above qualify for this membership. This is a full voting membership.
Full Membership Dues (age 40 to 44) $600 per month Initiation Fee (age 40 to 44) $7,250
Full Membership Dues (age 45 & over) $600 per month Initiation Fee (age 45 & over) $14,500
Junior Membership Junior membership is available to persons 39 and under and provides the same benefits as Full membership. Eligibility shall
be determined by the age of the eldest spouse, if applicable. (Once the eldest spouse turns 40 Full Membership dues will apply.) This is a full voting membership.
Junior Membership Dues (age 39 & under) $400.00 per month Initiation Fee (age 39 & under) $7,250
Social Membership Social membership includes full access to the clubhouse, dining, tennis/platform facilities, pool, and all social related events and activities. Social members can enjoy up to seven individual rounds of golf per year, per
membership (not per individual) upon payment of applicable guest rates. This is a weighted voting membership. Social Membership Dues $420.00 per month
Initiation Fee $7,500
Destination Membership Destination Members shall be individuals who are domiciled either by more than twenty-five (25) miles from the Country
Club of York within the Commonwealth of Pennsylvania or within the state of Maryland. Destination Members must be a full member of another private golf club, which is approved by the Club annually and located in the same qualified territory as
such member’s domicile. This membership has the use of all facilities of the Club on the same basis as our Full membership. This is an individual membership; spouses and children shall be subject to the same guest charges and annual usage limitations as a
guest of a Full member. This is a non-voting membership. Destination Membership Dues $2,220.00 per year
Initiation Fee $7,500
National Membership National Members are members who are not domiciled within a radius of seventy-five (75) miles of the Country Club of York, and whose occupation, business or employment is located outside of this radius. This membership provides all privileges of the Club; National Members shall pay normal guest charges for golf, tennis, paddle tennis, swimming pool, and other facilities that
are subject to a guest charge. This is a non-voting membership. National Membership Dues $1,812.00 per year
Initiation Fee $3,750
Inquire about our Legacy Membership Program Heather Schmitt 717-843-8078 or [email protected]
Initiation Fee $2,500
2021 MEMBERSHIP APPLICATION
Type of Membership desired (please check appropriate box):
_____________________________________________________________________________________________________ Applicant Name_______________________________________ Spouse Name_______________________________________________ First Middle Last First Middle Last
Single ______ Married ______ Significant Other _______
Home Address _________________________________________________________________________________________________ Street City State Zip Home Phone Number _____________________________________________________________________________________________ Cell Phone _________________________________________ Cell Phone __________________________________________________ Email Address ______________________________________ Email Address _______________________________________________ Date of Birth _______________________________________ Date of Birth _______________________________________________ Place of Birth _______________________________________ Place of Birth _______________________________________________ Employer’s Name, Address and Phone # Employer’s Name, Address and Phone # _________________________________________________ _________________________________________________________ _________________________________________________ _________________________________________________________ _________________________________________________ _________________________________________________________ Occupation ________________________________________ Occupation ________________________________________________ Business History ____________________________________ Business History ____________________________________________
Children’s Names and Birthdates_____________________________________________________________________________________ ________________________________________________________________________________________________________________ ________________________________________________________________________________________________________________
Please check if coming in under
the option of:
Other Club
Or
Legacy
Full Membership (age 45 & over)—Monthly Dues $600—Initiation Fee $14,500 Full Membership (age 40 to 44)—Monthly Dues $600—Initiation Fee $7,250 Junior Membership (age 39 & under)—Monthly Dues $400—Initiation Fee $7,250 Social Membership—Monthly Dues $420—Initiation Fee $7,500 Destination Membership—Yearly Dues $2,220—Initiation Fee $7,500 National Membership—Yearly Dues $1,812—Initiation Fee $3,750
If related to a Member, explain ______________________________________________________________________ Former residence other than York _____________________________________________________________________ Present and Former Club Affiliations (list dates) _________________________________________________________________________________________________ _________________________________________________________________________________________________ Philanthropic Interests/Charitable Involvement __________________________________________________________ _________________________________________________________________________________________________ _________________________________________________________________________________________________ Activities and Interests
Tennis Kids Activities Book Clubs Golf Platform Tennis Card Clubs Swimming Club Events Other ______________________________
(I)(We) hereby apply for Preview Membership into the Country Club of York under the classification listed on the previous page. (I)(We) understand there shall be no initial Initiation Fee due upon submission of the Membership Application. However, by electing to join as a Preview Member of the Country Club of York, (I)(we) agree to the following terms and conditions as they relate to joining: 1. (I)(We) hereby obligate (myself)(ourselves) for the payment of all applicable monthly dues, assessments, fees/charges during the membership term, subject to the terms associated with the Membership Program. 2. Country Club of York Bylaws and Rules and Regulations. (I)(We) agree to be bound by the Bylaws
and Rules and Regulations as established and any future amendments by the Country Club of York. It is
understood and agreed that (I)(we) shall have the same privileges accorded other members of like
classification. Non-Discrimination Policy: Club membership and use of Club facilities shall be made availa-
ble, as prescribed by our Bylaws, without regard to race, color, religion, gender, age or national origin.
3. (I)(We) hereby authorize the Membership Committee to freely acquire any financial, professional and personal information concerning (me)(us) they feel pertinent. Such information to remain confidential. (I)(We) further understand that if accepted for admission on the basis of the above information which later is found to be incorrect, (I)(we) would be subject to discipline by the Board of Governors, including expulsion. 4. Promise to pay applicable Initiation Fee. (I)(We) elect to pay the appropriate Initiation Fee as specified on the next page. Options are a three-year payment option for Initiation Fee, with 5% interest. First payment billed the month accepted to membership, second amount billed on anniversary date of membership 2022 and the final/third amount billed on anniversary date of membership 2023 OR a one-time payment of Initiation Fee (no interest) billed the month accepted to membership. Destination Memberships are offered a 6 month payment option with 5% interest. First payment billed the month accepted to membership, second and final amount billed in 6 months. Please checkmark the appropriate area with your selection.
________________________________________ ______________________________________________ Signature of Applicant Print Name ________________________________________ ______________________________________________ Signature of Applicant Print Name ________________________________________ ______________________________________________ Proposed by Print Name
Full Membership (age 45 & over) Initiation Fee—$14,500.00 Payment Plan: 4,833.33 month accepted to membership — 5316.66 billed anniversary 2022 — 5,075.01 billed anniversary 2023 Total $15,225.00 Please Check Payment Option Pay in Full _______ Payment Plan ______
Full Membership (age 40 to 44) Initiation Fee—$7,250.00 Payment Plan: 2,416.67 month accepted to membership — 2,658.34 billed anniversary 2022 — 2,537.49 billed anniversary 2023 Total $7,612.50 Please Check Payment Option Pay in Full _______ Payment Plan ______
Social Membership Initiation Fee—$7,500.00 Payment Plan: 2,500.00 month accepted to membership — 2,750.00 billed anniversary 2022 —2,625.00 billed anniversary 2023 Total $7,875.00 Please Check Payment Option Pay in Full _______ Payment Plan ______
Junior Membership (age 39 & under) Initiation Fee—$7,250.00 Payment Plan: 2,416.67 month accepted to membership — 2,658.34 billed anniversary 2022 — 2,537.49 billed anniversary 2023 Total $7,612.50 Please Check Payment Option Pay in Full _______ Payment Plan ______
National Membership Initiation Fee—$3,750.00 To be paid in full.
Destination Membership Initiation Fee—$7,500.00 Payment Plan: 3,750.00 month accepted to membership — 4,125.00 billed in 6 months Total $7,875.00 Please Check Payment Option Pay in Full _______ Payment Plan ______
COUNTRY CLUB OF YORK 1400 Country Club Road
York, PA 17403 717-843-8078
Capital Assessment Schedule
All 2021 Members will be required to pay the Capital Assessment fee corresponding to their membership category. This fee is associated with the Facilities Enhancement Project, which was completed in May, 2013. There are two options for paying the Assessment. First is a monthly billing, with payments listed below, for their category of membership. Second you may elect an upfront payment option, thus avoiding the payment of interest. Please contact Heather Schmitt, Member and Communications Coordinator, at 717-843-8078 or [email protected] to receive the amount of the upfront payment option. MEMBERSHIP CLASSIFICATION MONTHLY PAYMENT Through September 2032 Full Membership (40 & over) $34.00 Junior Membership (39 & under) $22.67 Social Membership $23.80 National Membership $ 8.50 Destination Membership $ 8.50 Monthly payments are based on a 6.12% interest rate. Should a Member leave the Club for any reason, there is no further financial obligation for the Capital Assessment Fee after the last month of membership.
____ I/We elect to pay the Capital Assessment in monthly installments. ____ I/We elect to pay the Capital Assessment in One Upfront Payment and have confirmed the lump sum amount with Heather Schmitt. ___________________________________________________________________________ Signature and Date
COUNTRY CLUB OF YORK 1400 Country Club Road
York, Pennsylvania 17403
MEMBERSHIP INQUIRY RELEASE
In connection with your application for membership with the Country Club of York, on
our behalf, CBY SYSTEMS will make inquiries, including, but not limited to, your
consumer credit history, criminal history, residency, and other qualities pertinent to your
qualifications for membership.
In compliance with the Fair Credit Reporting Act, you are entitled to be informed if an
offer of membership is withheld because of information obtained from CBY SYSTEMS
and, in that event, upon your written request, we will provide a copy of the report we
receive and the FTC notice “A Summary of Your Rights Under the Fair Credit Reporting
Act.”
Please complete and sign the form which follows, authorizing, without reservation, any
party, including, but not limited to, employers, consumer reporting agencies, law
enforcement agencies, state agencies, institutions and private information bureaus or
repositories, contacted by CBY Systems Inc. to furnish any or all of the above mentioned
information, including consumer reports and/or investigative consumer reports. Your
signature allows a photocopy or fax copy of this authorization to be as valid as the original.
PRINT FULL NAME__________________________ *DATE OF BIRTH__________________
SOCIAL SECURITY #_________________________ MAIDEN NAME___________________
STREET ADDRESS___________________________ OTHER NAMES USED ______________
CITY, STATE, ZIP__________________________________________________________________
APPLICANT SIGNATURE_________________________DATE ___________________________
*Date of birth is being requested only for the purpose of identification in obtaining accurate
retrieval of records and it will not be used for discriminatory purposes. Revised 10/17
717-843-8078 Fax: 717-852-0381 www.ccyork.org
A Summary of Your Rights Under the Fair Credit Reporting Act
The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of
information in the files of consumer reporting agencies. There are many types of consumer
reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell
information about check writing histories, medical records, and rental history records). Here is a
summary of your major rights under the FCRA. For more information, including information
about additional rights, go to www.consumerfinance.gov/learnmore or write to: Consumer
Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.
You must be told if information in your file has been used against you. Anyone who
uses a credit report or another type of consumer report to deny your application for credit,
insurance, or employment - or to take another adverse action against you - must tell you, and
must give you the name, address, and phone number of the agency that provided the
information.
You have the right to know what is in your file. You may request and obtain all the
information about you in the files of a consumer reporting agency (your "file disclosure").
You will be required to provide proper identification, which may include your Social
Security number. In many cases, the disclosure will be free. You are entitled to a free file
disclosure if:
a person has taken adverse action against you because of information in your credit
report;
you are the victim of identity theft and place a fraud alert in your file;
your file contains inaccurate information as a result of fraud;
you are on public assistance;
you are unemployed but expect to apply for employment within 60 days.
In addition, all consumers are entitled to one free disclosure every 12 months upon request
from each nationwide credit bureau and from nationwide specialty consumer reporting
agencies. See www.consumerfinance.gov/learnmore for additional information.
You have the right to ask for a credit score. Credit scores are numerical summaries of
your credit-worthiness based on information from credit bureaus. You may request a credit
score from consumer reporting agencies that create scores or distribute scores used in
residential real property loans, but you will have to pay for it. In some mortgage
transactions, you will receive credit score information for free from the mortgage lender.
You have the right to dispute incomplete or inaccurate information. If you identify
information in your file that is incomplete or inaccurate, and report it to the consumer
reporting agency, the agency must investigate unless your dispute is frivolous. See
www.consumerfinance.gov/learnmore for an explanation of dispute procedures.
Consumer reporting agencies must correct or delete inaccurate, incomplete, or
unverifiable information. Inaccurate, incomplete, or unverifiable information must be
removed or corrected, usually within 30 days. However, a consumer reporting agency may
continue to report information it has verified as accurate.
Consumer reporting agencies may not report outdated negative information. In most
cases, a consumer reporting agency may not report negative information that is more than
seven years old, or bankruptcies that are more than 10 years old.
Access to your file is limited. A consumer reporting agency may provide information about
you only to people with a valid need -- usually to consider an application with a creditor,
insurer, employer, landlord, or other business. The FCRA specifies those with a valid need
for access.
You must give your consent for reports to be provided to employers. A consumer
reporting agency may not give out information about you to your employer, or a potential
employer, without your written consent given to the employer. Written consent generally is
not required in the trucking industry. For more information, go to
www.consumerfinance.gov/learnmore.
You may limit "prescreened" offers of credit and insurance you get based on
information in your credit report. Unsolicited "prescreened" offers for credit and
insurance must include a toll-free phone number you can call if you choose to remove your
name and address from the lists these offers are based on. You may opt out with the
nationwide credit bureaus at 1-888-5-OPTOUT (1-888-567-8688).
You may seek damages from violators. If a consumer reporting agency, or, in some cases,
a user of consumer reports or a furnisher of information to a consumer reporting agency
violates the FCRA, you may be able to sue in state or federal court.
Identity theft victims and active duty military personnel have additional rights. For
more information, visit www.consumerfinance.gov/learnmore.
States may enforce the FCRA, and many states have their own consumer reporting laws. In
some cases, you may have more rights under state law. For more information, contact your
state or local consumer protection agency or your state Attorney General. For information
about your federal rights, contact:
TYPE OF BUSINESS: CONTACT:
1.a. Banks, savings associations, and credit unions with total
assets of over $10 billion and their affiliates
b. Such affiliates that are not banks, savings associations, or
credit unions also should list, in addition to the CFPB:
a. Consumer Financial Protection Bureau
1700 G Street, N.W.
Washington, DC 20552
b. Federal Trade Commission: Consumer Response Center -
FCRA
Washington, DC 20580
(877) 382-4357
2. To the extent not included in item 1 above:
a. National banks, federal savings associations, and federal
branches and federal agencies of foreign banks
b. State member banks, branches and agencies of foreign
banks (other than federal branches, federal agencies, and
Insured State Branches of Foreign Banks), commercial lending
companies owned or controlled by foreign banks, and
organizations operating under section 25 or 25A of the Federal
Reserve Act
c. Nonmember Insured Banks, Insured State Branches of
Foreign Banks, and insured state savings associations
a. Office of the Comptroller of the Currency
Customer Assistance Group
1301 McKinney Street, Suite 3450
Houston, TX 77010-9050
b. Federal Reserve Consumer Help Center
P.O. Box. 1200
Minneapolis, MN 55480
c. FDIC Consumer Response Center
1100 Walnut Street, Box #11
Kansas City, MO 64106
d. National Credit Union Administration
Office of Consumer Protection (OCP)
d. Federal Credit Unions
Division of Consumer Compliance and Outreach (DCCO)
1775 Duke Street
Alexandria, VA 22314
3. Air carriers Asst. General Counsel for Aviation Enforcement &
Proceedings
Aviation Consumer Protection Division
Department of Transportation
1200 New Jersey Avenue, S.E.
Washington, DC 20590
4. Creditors Subject to the Surface Transportation Board Office of Proceedings, Surface Transportation Board
Department of Transportation
395 E Street, S.W.
Washington, DC 20423
5. Creditors Subject to the Packers and Stockyards Act, 1921 Nearest Packers and Stockyards Administration area
supervisor
6. Small Business Investment Companies Associate Deputy Administrator for Capital Access
United States Small Business Administration
409 Third Street, S.W., 8th Floor
Washington, DC 20416
7. Brokers and Dealers Securities and Exchange Commission
100 F Street, N.E.
Washington, DC 20549
8. Federal Land Banks, Federal Land Bank Associations,
Federal Intermediate Credit Banks, and Production Credit
Associations
Farm Credit Administration
1501 Farm Credit Drive
McLean, VA 22102-5090
9. Retailers, Finance Companies, and All Other Creditors Not
Listed Above
FTC Regional Office for region in which the creditor operates
or
Federal Trade Commission: Consumer Response Center -
FCRA
Washington, DC 20580
(877) 382-4357
COUNTRY CLUB OF YORK 1400 Country Club Road
York, Pennsylvania 17403
MEMBERSHIP INQUIRY RELEASE
In connection with your application for membership with the Country Club of York, on
our behalf, CBY SYSTEMS will make inquiries, including, but not limited to, your
consumer credit history, criminal history, residency, and other qualities pertinent to your
qualifications for membership.
In compliance with the Fair Credit Reporting Act, you are entitled to be informed if an
offer of membership is withheld because of information obtained from CBY SYSTEMS
and, in that event, upon your written request, we will provide a copy of the report we
receive and the FTC notice “A Summary of Your Rights Under the Fair Credit Reporting
Act.”
Please complete and sign the form which follows, authorizing, without reservation, any
party, including, but not limited to, employers, consumer reporting agencies, law
enforcement agencies, state agencies, institutions and private information bureaus or
repositories, contacted by CBY Systems Inc. to furnish any or all of the above mentioned
information, including consumer reports and/or investigative consumer reports. Your
signature allows a photocopy or fax copy of this authorization to be as valid as the original.
PRINT FULL NAME__________________________ *DATE OF BIRTH__________________
SOCIAL SECURITY #_________________________ MAIDEN NAME___________________
STREET ADDRESS___________________________ OTHER NAMES USED ______________
CITY, STATE, ZIP__________________________________________________________________
APPLICANT SIGNATURE_________________________DATE ___________________________
*Date of birth is being requested only for the purpose of identification in obtaining accurate
retrieval of records and it will not be used for discriminatory purposes. Revised 10/17
717-843-8078 Fax: 717-852-0381 www.ccyork.org
A Summary of Your Rights Under the Fair Credit Reporting Act
The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of
information in the files of consumer reporting agencies. There are many types of consumer
reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell
information about check writing histories, medical records, and rental history records). Here is a
summary of your major rights under the FCRA. For more information, including information
about additional rights, go to www.consumerfinance.gov/learnmore or write to: Consumer
Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.
You must be told if information in your file has been used against you. Anyone who
uses a credit report or another type of consumer report to deny your application for credit,
insurance, or employment - or to take another adverse action against you - must tell you, and
must give you the name, address, and phone number of the agency that provided the
information.
You have the right to know what is in your file. You may request and obtain all the
information about you in the files of a consumer reporting agency (your "file disclosure").
You will be required to provide proper identification, which may include your Social
Security number. In many cases, the disclosure will be free. You are entitled to a free file
disclosure if:
a person has taken adverse action against you because of information in your credit
report;
you are the victim of identity theft and place a fraud alert in your file;
your file contains inaccurate information as a result of fraud;
you are on public assistance;
you are unemployed but expect to apply for employment within 60 days.
In addition, all consumers are entitled to one free disclosure every 12 months upon request
from each nationwide credit bureau and from nationwide specialty consumer reporting
agencies. See www.consumerfinance.gov/learnmore for additional information.
You have the right to ask for a credit score. Credit scores are numerical summaries of
your credit-worthiness based on information from credit bureaus. You may request a credit
score from consumer reporting agencies that create scores or distribute scores used in
residential real property loans, but you will have to pay for it. In some mortgage
transactions, you will receive credit score information for free from the mortgage lender.
You have the right to dispute incomplete or inaccurate information. If you identify
information in your file that is incomplete or inaccurate, and report it to the consumer
reporting agency, the agency must investigate unless your dispute is frivolous. See
www.consumerfinance.gov/learnmore for an explanation of dispute procedures.
Consumer reporting agencies must correct or delete inaccurate, incomplete, or
unverifiable information. Inaccurate, incomplete, or unverifiable information must be
removed or corrected, usually within 30 days. However, a consumer reporting agency may
continue to report information it has verified as accurate.
Consumer reporting agencies may not report outdated negative information. In most
cases, a consumer reporting agency may not report negative information that is more than
seven years old, or bankruptcies that are more than 10 years old.
Access to your file is limited. A consumer reporting agency may provide information about
you only to people with a valid need -- usually to consider an application with a creditor,
insurer, employer, landlord, or other business. The FCRA specifies those with a valid need
for access.
You must give your consent for reports to be provided to employers. A consumer
reporting agency may not give out information about you to your employer, or a potential
employer, without your written consent given to the employer. Written consent generally is
not required in the trucking industry. For more information, go to
www.consumerfinance.gov/learnmore.
You may limit "prescreened" offers of credit and insurance you get based on
information in your credit report. Unsolicited "prescreened" offers for credit and
insurance must include a toll-free phone number you can call if you choose to remove your
name and address from the lists these offers are based on. You may opt out with the
nationwide credit bureaus at 1-888-5-OPTOUT (1-888-567-8688).
You may seek damages from violators. If a consumer reporting agency, or, in some cases,
a user of consumer reports or a furnisher of information to a consumer reporting agency
violates the FCRA, you may be able to sue in state or federal court.
Identity theft victims and active duty military personnel have additional rights. For
more information, visit www.consumerfinance.gov/learnmore.
States may enforce the FCRA, and many states have their own consumer reporting laws. In
some cases, you may have more rights under state law. For more information, contact your
state or local consumer protection agency or your state Attorney General. For information
about your federal rights, contact:
TYPE OF BUSINESS: CONTACT:
1.a. Banks, savings associations, and credit unions with total
assets of over $10 billion and their affiliates
b. Such affiliates that are not banks, savings associations, or
credit unions also should list, in addition to the CFPB:
a. Consumer Financial Protection Bureau
1700 G Street, N.W.
Washington, DC 20552
b. Federal Trade Commission: Consumer Response Center -
FCRA
Washington, DC 20580
(877) 382-4357
2. To the extent not included in item 1 above:
a. National banks, federal savings associations, and federal
branches and federal agencies of foreign banks
b. State member banks, branches and agencies of foreign
banks (other than federal branches, federal agencies, and
Insured State Branches of Foreign Banks), commercial lending
companies owned or controlled by foreign banks, and
organizations operating under section 25 or 25A of the Federal
Reserve Act
c. Nonmember Insured Banks, Insured State Branches of
Foreign Banks, and insured state savings associations
a. Office of the Comptroller of the Currency
Customer Assistance Group
1301 McKinney Street, Suite 3450
Houston, TX 77010-9050
b. Federal Reserve Consumer Help Center
P.O. Box. 1200
Minneapolis, MN 55480
c. FDIC Consumer Response Center
1100 Walnut Street, Box #11
Kansas City, MO 64106
d. National Credit Union Administration
Office of Consumer Protection (OCP)
d. Federal Credit Unions
Division of Consumer Compliance and Outreach (DCCO)
1775 Duke Street
Alexandria, VA 22314
3. Air carriers Asst. General Counsel for Aviation Enforcement &
Proceedings
Aviation Consumer Protection Division
Department of Transportation
1200 New Jersey Avenue, S.E.
Washington, DC 20590
4. Creditors Subject to the Surface Transportation Board Office of Proceedings, Surface Transportation Board
Department of Transportation
395 E Street, S.W.
Washington, DC 20423
5. Creditors Subject to the Packers and Stockyards Act, 1921 Nearest Packers and Stockyards Administration area
supervisor
6. Small Business Investment Companies Associate Deputy Administrator for Capital Access
United States Small Business Administration
409 Third Street, S.W., 8th Floor
Washington, DC 20416
7. Brokers and Dealers Securities and Exchange Commission
100 F Street, N.E.
Washington, DC 20549
8. Federal Land Banks, Federal Land Bank Associations,
Federal Intermediate Credit Banks, and Production Credit
Associations
Farm Credit Administration
1501 Farm Credit Drive
McLean, VA 22102-5090
9. Retailers, Finance Companies, and All Other Creditors Not
Listed Above
FTC Regional Office for region in which the creditor operates
or
Federal Trade Commission: Consumer Response Center -
FCRA
Washington, DC 20580
(877) 382-4357