Final rules

The CFPB is finalizing a rule amending Regulation V, which implements the Fair Credit Reporting Act (FCRA), concerning medical information.

This final rule amends an appendix for Regulation V, which implements the Fair Credit Reporting Act (FCRA).

Compilation of rules revising Regulation V, 12 CFR part 1022, which implements the Fair Credit Reporting Act (FCRA), to prescribe Federal rules governing the activities of consumer reporting agencies and furnishers of consumer reporting information, as those terms are defined in the FCRA.

The Consumer Financial Protection Bureau is issuing this advisory opinion to address certain obligations that background screening companies have under the Fair Credit Reporting Act.

The Bureau is issuing this advisory opinion to address certain obligations that consumer reporting agencies have under section 609(a) of the Fair Credit Reporting Act (FCRA).

This final rule amends an appendix for Regulation V, which implements the Fair Credit Reporting Act (FCRA). The Bureau is required to calculate annually the dollar amount of the maximum allowable charge for disclosures by a consumer reporting agency to a consumer pursuant to FCRA section 609.

The Consumer Financial Protection Bureau is issuing this final rule to make non-substantive corrections and updates to Bureau and other Federal agency contact information found at certain locations.

The Consumer Financial Protection Bureau (Bureau) is issuing this advisory opinion to outline certain obligations of consumer reporting agencies and consumer report users under section 604 of the Fair Credit Reporting Act (FCRA).

States play an important role in the regulation of consumer reporting. State laws that are not “inconsistent” with the Fair Credit Reporting Act (FCRA) are generally not preempted by that statute. The FCRA also expressly preempts certain categories of State laws. This interpretive rule clarifies that FCRA’s express preemption provisions have a narrow and targeted scope. States therefore retain substantial flexibility to pass laws involving consumer reporting to reflect emerging problems affecting their local economies and citizens.

The Consumer Financial Protection Bureau (Bureau or CFPB) is amending Regulation V, which implements the Fair Credit Reporting Act (FCRA), to address recent legislation that assists consumers who are victims of trafficking.

This Advisory Opinion highlights that a consumer reporting agency that uses inadequate matching procedures to match information to consumers, including name-only matching, in preparing consumer reports is not using reasonable procedures to assure maximum possible accuracy under section 607(b) of the Fair Credit Reporting Act.

The Bureau has issued this final rule to delay the August 19, 2019 compliance date for the mandatory underwriting provisions of the regulation promulgated by the Bureau in November 2017 governing Payday, Vehicle Title, and Certain High-Cost Installment Loans.

The Bureau is issuing an interim final rule to update the Bureau’s model forms for the Summary of Consumer Identity Theft Rights and the Summary of Consumer Rights in Appendices I and K to Regulation V to incorporate a notice required by new Fair Credit Reporting Act section 605A(i)(5), added by the Economic Growth, Regulatory Relief, and Consumer Protection Act.

Final rule creating consumer protections for payday loans, and for certain vehicle title and high-cost installment loans.

Pursuant to the Dodd-Frank Act and the Fair Credit Reporting Act, as amended, the Bureau published for public comment an interim final rule establishing a...

The Bureau has the authority to supervise nonbank covered persons of all sizes in the residential mortgage, private education lending, and payday lending markets.