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  3. Consumer Financial Protection Bureau’s Regulation V Fair Credit Reporting

Consumer Financial Protection Bureau’s
Regulation V
Fair Credit Reporting

12 CFR 1022; as amended effective January 1, 2024
Subpart A—General Provisions
  • Section
  • Purpose, scope, and model forms and disclosures
  • Examples
  • Definitions
Subpart B—[Reserved]
Subpart C—Affiliate Marketing
  • Section
  • Coverage and definitions
  • Affiliate marketing opt-out and exceptions
  • Scope and duration of opt-out
  • Contents of opt-out notice; consolidated and equivalent notices
  • Reasonable opportunity to opt out
  • Reasonable and simple methods of opting out
  • Delivery of opt-out notices
  • Renewal of opt-out
Subpart D—Medical Information
  • Section
  • Obtaining or using medical information in connection with a determination of eligibility for credit
  • Limits on redisclosure of information
  • Sharing medical information with affiliates
Subpart E—Duties of Furnishers of Information
  • Section
  • Scope
  • Definitions
  • Reasonable policies and procedures concerning the accuracy and integrity of furnished information
  • Direct disputes
Subpart F—Duties of Users Regarding Obtaining and Using Consumer Reports
Subpart G—[Reserved]
Subpart H—Duties of Users Regarding Risk-Based Pricing
  • Section
  • Scope
  • Definitions
  • General requirements for risk-based pricing notices
  • Content, form, and timing of risk-based pricing notices
  • Exceptions
  • Rules of construction
Subpart I—Duties of Users of Consumer Reports Regarding Identity Theft
  • Section
  • 1022.80–1022.81
    [Reserved]
  • Duties of users regarding address discrepancies
Subparts J–L—[Reserved]
Subpart M—Duties of Consumer Reporting Agencies Regarding Identity Theft
Subpart N—Duties of Consumer Reporting Agencies Regarding Disclosures to Consumers
  • Section
  • Definitions
  •  [Reserved]
  • Centralized source for requesting annual file disclosures from nation wide consumer reporting agencies
  • Streamlined process for requesting annual file disclosures from nationwide specialty consumer reporting agencies
  • Prevention of deceptive marketing of free credit reports
  • [Reserved]
Subpart O—Miscellaneous Duties of Consumer Reporting Agencies
  • Section
  • Prohibition against circumventing or evading treatment as a consumer reporting agency
  • Reasonable charges for certain disclosures
  • Prohibition on inclusion of adverse information in consumer reporting in cases of human trafficking
AUTHORITY: 12 U.S.C. 5512, 5581; 15 U.S.C. 1681a, 1681b, 1681c, 1681c-1, 1681c-3, 1681e, 1681g, 1681i, 1681j, 1681m, 1681s, 1681s-2, 1681s-3, and 1681t; section 214, Public Law 108-159, 117 Stat. 1952.
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