Skip to main content

An official website of the United States government

(855) 411-2372

Submit a Complaint

Submit a Complaint
Consumer Education
Resources for Yourself

Resources for Helping Others

Consumer Complaint Database
Money Topics

Auto Loans

Bank Accounts & Services

Credit Cards

Credit Reports & Scores

Debt Collection

Fraud & Scams
Money Topics

Money Transfers

Mortgages

Payday Loans

Prepaid Cards

Reverse Mortgages

Student Loans
Featured

Explore guides to help you plan for big financial goals

Additional Resources

Submit a Complaint

Tell Your Story

Browse Ask CFPB
Rules & Policy
Rules & Policy Overview
Final Rules

Interactive Regulations
Rules Under Development

Notices and Opportunities to Comment

Regulatory Agenda

Petitions for Rulemaking
Competition and Innovation

Advisory Committees
Enforcement
Enforcement Overview
Enforcement Actions

Enforcement by the Numbers

Investigatory Authority
Warning Letters

Payments to Harmed Consumers

Industry Whistleblowers
Compliance
Compliance Overview
Compliance Resources

Advisory Opinion Program

Consumer Financial Protection Circulars
Supervision and Examinations

Supervisory Highlights

Supervisory Guidance
Registration & Submission Programs

Amicus Program

Consumer Complaint Program
Data & Research
Data & Research Overview
Reports

Research Hub

Consumer Complaint Database

Mortgage Database (HMDA)

Small Business Lending Database
Public Data Inventory

Consumer Credit Trends

Mortgage Performance Trends

Financial Well-Being Survey
Credit Card Surveys & Agreements

Prepaid Account Agreements

Making Ends Meet Survey Data

National Age-Friendly Banking Survey
Featured

Help advance financial well-being
News
Press Releases

Speeches & Op-eds

Testimony

Statements
Blog

Director’s Notebook

Recent Updates

Consumer Advisories

(855) 411-2372

/ Interactive Bureau Regulations / 12 CFR Part 1022 (Regulation V)

§ 1022.1 Purpose, scope, and model forms and disclosures. § 1022.2 Examples. § 1022.3 Definitions.

§ 1022.20 Coverage and definitions. § 1022.21 Affiliate marketing opt-out and exceptions. § 1022.22 Scope and duration of opt-out. § 1022.23 Contents of opt-out notice; consolidated and equivalent notices. § 1022.24 Reasonable opportunity to opt out. § 1022.25 Reasonable and simple methods of opting out. § 1022.26 Delivery of opt-out notices. § 1022.27 Renewal of opt-out.

§ 1022.30 Obtaining or using medical information in connection with a determination of eligibility for credit. § 1022.31 Limits on redisclosure of information. § 1022.32 Sharing medical information with affiliates.

§ 1022.40 Scope. § 1022.41 Definitions. § 1022.42 Reasonable policies and procedures concerning the accuracy and integrity of furnished information. § 1022.43 Direct disputes.

§§ 1022.50-1022.53 [Reserved] § 1022.54 Duties of users making written firm offers of credit or insurance based on information contained in consumer files §§ 1022.55-1022.59 [Reserved]

§ 1022.70 Scope. § 1022.71 Definitions. § 1022.72 General requirements for risk-based pricing notices. § 1022.73 Content, form, and timing of risk-based pricing notices. § 1022.74 Exceptions. § 1022.75 Rules of construction.

§§ 1022.80-1022.81 [Reserved] § 1022.82 Duties of users regarding address discrepancies.

§ 1022.120 [Reserved] § 1022.121 Active duty alerts. § 1022.122 [Reserved] § 1022.123 Appropriate proof of identity. §§ 1022.124-1022.129 [Reserved]

§ 1022.130 Definitions §§ 1022.131-1022.135 [Reserved] § 1022.136 Centralized source for requesting annual file disclosures from nationwide consumer reporting agencies. § 1022.137 Streamlined process for requesting annual file disclosures from nationwide specialty consumer reporting agencies. § 1022.138 Prevention of deceptive marketing of free credit reports. § 1022.139 [Reserved]

§ 1022.140 Prohibition against circumventing or evading treatment as a consumer reporting agency § 1022.141 Reasonable charges for certain disclosures. § 1022.142 Prohibition on inclusion of adverse information in consumer reporting in cases of human trafficking.

Appendix A to Part 1022 [Reserved] Appendix B to Part 1022 - Model Notices of Furnishing Negative Information Appendix C to Part 1022 - Model Forms for Opt-Out Notices Appendix D to Part 1022 - Model Forms for Firm Offers of Credit or Insurance Appendix E to Part 1022 - Interagency Guidelines Concerning the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Appendixes F-G to Part 1022 [Reserved] Appendix H to Part 1022 - Model Forms for Risk-Based Pricing and Credit Score Disclosure Exception Notices Appendix I to Part 1022 - Summary of Consumer Identity Theft Rights Appendix J to Part 1022 [Reserved] Appendix K to Part 1022 - Summary of Consumer Rights Appendix L to Part 1022 - Standardized Form for Requesting Annual File Disclosures Appendix M to Part 1022 - Notice of Furnisher Responsibilities Appendix N to Part 1022 - Notice of User Responsibilities Appendix O to Part 1022 - Reasonable Charges for Certain Disclosures

§ 1022.120 [Reserved]

This version is the current regulation

View all versions of this regulation
Search this regulation

Regulation V

Previous section - § 1022.82 § 1022.82 Duties of users regarding address discrepancies.
Next section - § 1022.121 § 1022.121 Active duty alerts.

Back to top

About Us
Contact Us
Careers
Events
Industry Whistleblowers
CFPB Ombudsman

FOIA
Privacy
Website Privacy Policy & Legal Notices
Data
Open Government
Information Quality Guidelines

Office of Minority and Women Inclusion
Administrative Adjudication
Plain Writing
Accessibility
Office of Civil Rights
No FEAR Act & Cummings Act
Tribal

USA.gov
Office of Inspector General
Public Archive

An official website of the United States government