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Credit reporting requirements (FCRA)

Resources to help industry understand, implement, and comply with the Fair Credit Reporting Act and Regulation V.

Featured topic

On March 17, 2023, the CFPB published an updated version of the Summary of Consumer Rights pursuant to the Updated and Corrected Agency Contact Information Rule. The updates were made to both the English and Spanish versions.

In July 2021, the CFPB issued a COVID-19-related FCRA Enforcement Compliance Bulletin regarding consumer rental information, and in June 2020, the CFPB issued COVID-19 FCRA Frequently Asked Questions related to the CARES Act.

Rules

Browse the final rule prohibiting the inclusion of adverse information in consumer reporting cases of human trafficking under Regulation V.

Browse the Fair Credit Reporting interim final rule to see recent amendments to the model summaries of rights in Regulation V.

Browse the final rule setting the maximum allowable charge for disclosures by a consumer reporting agency pursuant to FCRA section 609.

Browse the final rule defining larger participants in the consumer reporting market.

Regulations and official interpretations

Browse Regulation V (12 CFR 1022) on: Interactive Bureau Regulations | eCFR

[For relevant requirements, browse also the FCRA at 15 U.S.C. 1681 to 1681x ]

Quick references

Fast facts for the FCRA and Regulation V Human Trafficking Rule

Guides

Supervision and examination materials

Guides to how the CFPB will supervise and examine entities under its jurisdiction for compliance with Federal consumer financial law.

See the FCRA examination procedures

See the consumer reporting larger participants examination procedures

Browse Supervisory Highlights

Browse the consumer reporting special edition of Supervisory Highlights

Compliance bulletins

CFPB Bulletin 2016-01: The FCRA’s requirement that furnishers establish and implement reasonable written policies and procedures regarding the accuracy and integrity of information furnished to all consumer reporting agencies

CFPB Bulletin 2014-01: The FCRA’s requirement that furnishers conduct investigations of disputed information

CFPB Bulletin 2013-09: The FCRA’s requirement to investigate disputes and review “all relevant” information provided by consumer reporting agencies about the dispute

CFPB Bulletin 2012-09: The FCRA’s “streamlined process” requirement for consumers to obtain free annual reports from nationwide specialty consumer reporting agencies

Advisory Opinion

Advisory Opinion: Facially false data under the FCRA.

Advisory Opinion: FCRA permissible purpose requirements for furnishing, using, and obtaining consumer reports.

Advisory Opinion: Consumer reporting agencies’ matching practices under the FCRA.

Forms

Downloadable versions of the model forms that were published in the Regulation V/FCRA rules.

Browse model forms

Additional materials

Resources prepared by other agencies that provide general information. These materials are not provided by the Bureau and may not necessarily represent the Bureau’s views or interpretations.

Browse the FTC’s Staff Report on 40 Years of Experience with the FCRA

Browse other credit reporting resources from the FTC