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12 CFR Part 1022 - Fair Credit Reporting (Regulation V)

Most recently amended Jan. 31, 2019

Regulation V implements the Fair Credit Reporting Act.

Regulation V generally applies to:

  • Consumer reporting agencies
  • Persons that obtain and use information about consumers to determine the consumer's eligibility for products, services, or employment, 
  • Persons that share such information among affiliates, and 
  • Furnishers of information to consumer reporting agencies.

This regulation covers topics such as:

  • Identity theft
  • Duties of furnishers of information
  • Duties of users of consumer reports
  • Duties of consumer reporting agencies
  • File disclosures to consumers
  • Affiliate marketing
  • Use of medical information