Federal obligations in credit bureaus (NAICS 561450)

Credit-information contracts at $919.9 million

Federal agencies buy credit reports, related data services, and other credit-bureau products from vendors classified in 561450. Tagged obligations sum to $919,931,288.95. That is not a count of credit files pulled and not a statement about any individual’s credit. Record volumes are not in the packet facts.

Credit-bureau work in a federal contract can support lending operations, eligibility checks, investigations, or other authorized uses specified in the award. This overlay does not list those uses. It states the tagged obligation total and the 813-award count.

813 awards and a professional-services average

Eight hundred thirteen awards against $919,931,288.95 averages about $1.13 million per action. That is larger than catalog supply averages and in line with data-services vehicles. Task orders against a bureau IDIQ add count without each row being a new national program. The industry hub shows the mix behind $919,931,288.95.

Investment banking (523150) and portfolio management (523920) are finance NAICS in this slice, not credit bureaus. Telephone answering (561421) is a 5614 neighbor with a different product. Keep 561450 in its own cell.

What credit bureaus are not

They are not banks. They are not collection agencies, which have a different NAICS. They are not the Fair Credit Reporting Act itself. The $919,931,288.95 follows the 561450 tag on 813 contract actions. Legal compliance of any single award is a matter for the award file, not for this industry rollup.

Assistance awards may not carry NAICS. A grant that funds a state eligibility system will usually miss this contract total even if the grantee buys bureau data. Program pages cover assistance.

A complete citation of this industry is $919,931,288.95 in USAspending contract obligations tagged to NAICS 561450, credit bureaus, on 813 awards. Anything less—dropping the NAICS, dropping the word obligations, or dropping the contract-only universe—overstates what the extract contains. The packet facts do not include a fiscal year, so this guide does not invent one. Live tables on the industry hub can move when USAspending posts modifications; the harvested pair remains $919,931,288.95 and 813.

Obligations versus per-pull invoices

Bureau contracts often obligate a ceiling and invoice per report or per period. The $919,931,288.95 is committed value on 813 tagged actions, not cash already paid for every inquiry. Unused ceiling can be de-obligated. Outlay fields track payments.

Classification errors are expected at the margin. Vendors that straddle banks, collection agencies, investment banks, and answering services may land in 561450 on some actions and in a neighbor on others. Investment banking (523150) and portfolio management (523920) are finance NAICS, not credit-file compilers. The public-record stance is to keep $919,931,288.95 attached to 561450 as tagged, then use the 813 award descriptions to see report-service vehicles without reproducing personal data. Re-tagging the extract by hand is out of scope for this overlay.

Privacy-neutral reading of the hub

Open the credit bureaus industry page for the 813 awards behind $919,931,288.95. This guide will not reproduce personal data—none is in the packet—and will not rank bureaus. Source: USAspending.gov contract awards. Use the all-industries directory for neighboring 5614 and finance codes.

Bureau tags are not banking or collections

Award count interprets the buying pattern. 813 actions producing $919,931,288.95 is data-services vehicles of professional-services size, with about $1.13 million per action as the simple average. That average hides mix: modifications, options, and delivery orders all increment count. 813 is not a count of unique companies and not a count of physical units. Use the hub amount sort to see whether a few large rows plus a long tail make up most of the tagged total.

Outlays remain a separate USAspending concept. An agency can obligate $919,931,288.95 across 813 tagged credit bureaus actions and pay on a different calendar. De-obligations after cancellations reduce the obligation ledger; they do not rewrite the fact that this NAICS has been a large tagged category in the harvest. Assistance without NAICS still sits outside even when the real-world activity looks similar. Program pages answer the grant question; this page answers the tagged-contract question.

Internal links on this file point only to the credit bureaus industry page and the all-industries directory. Those are the packet hrefs. Neighboring industry codes mentioned in prose are classification context only. Source note, copied from the packet: NAICS from USAspending contract awards. Assistance awards may not carry NAICS. The overlay’s job is to state $919,931,288.95, 813, the obligation unit, and the boundary around banks, collection agencies, investment banks, and answering services.

Questions

How much federal contract spending is coded to credit bureaus?

NAICS 561450 shows $919,931,288.95 in obligations on 813 USAspending contract awards. That is credit bureaus as tagged, not banks and not collections. The unit is obligations, not outlays or a count of credit pulls. Quote it as USAspending contract obligations tagged to NAICS 561450, not as cash outlays. Assistance awards may not carry NAICS, so grants remain outside the 813-award extract behind $919,931,288.95.

Does this total include consumer credit files?

The $919,931,288.95 is contract obligations tagged to credit-bureau establishments. It is not a dump of credit files. This page cites only the packet dollar total and the 813-award count. Award descriptions on the industry hub describe each vehicle. Investment banking (523150) and portfolio management (523920) are finance NAICS, not credit-file compilers. Keep $919,931,288.95 attached to 561450 as tagged on 813 actions; do not merge neighbor codes into the same unlabeled cell.

Is investment banking part of NAICS 561450?

No. Investment banking is 523150. This page’s $919,931,288.95 is credit bureaus on 813 tagged awards. Open finance codes separately from the all-industries list. That pattern is data-services vehicles of professional-services size, with about $1.13 million per action as the simple average of $919,931,288.95 over 813 awards. Use the 813 award descriptions to see report-service vehicles without reproducing personal data.

Are grants for eligibility systems included?

Usually not. Assistance awards may not carry NAICS, so they fall outside this contract extract. Use program pages for grants and the industry page for tagged 561450 contracts. This industry guide covers tagged contracts only: $919,931,288.95 obligated on 813 credit bureaus awards in USAspending. Outlays are a different field; assistance without NAICS is a different award type.