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 7, 2022, the Bureau issued an Advisory Opinion on the FCRA’s permissible purpose requirements for furnishing, using, and obtaining consumer reports.
On June 24, 2022, the Bureau issued a Final Rule prohibiting the inclusion of adverse information in consumer reporting cases of human trafficking under Regulation V. The Bureau also released a Fast Facts document, which summarize the changes made to Regulation V by the final rule.
On November 4, 2021, the Bureau issued an Advisory Opinion on consumer reporting agencies’ matching practices under the FCRA.
In July 2021, the Bureau issued a COVID-19-related FCRA Enforcement Compliance Bulletin regarding consumer rental information, and in June 2020, the Bureau 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 ]
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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 the consumer reporting special edition of Supervisory Highlights
Compliance bulletins
Forms
Downloadable versions of the model forms that were published in the Regulation V/FCRA rules.
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