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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 July 1, 2021, the Bureau issued an Enforcement Compliance Bulletin regarding furnisher and consumer reporting agency requirements during the COVID-19 pandemic for consumer rental information.

On June 16, 2020, the Bureau issued COVID-19 pandemic guidance related to the CARES Act and FCRA requirements.

Rules

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 ]

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

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