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

Regulation V implements the Fair Credit Reporting Act.

This version is not the current regulation.

You are viewing a previous version of this regulation with amendments that went into effect on April 19, 2023.

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

Additional resources

Consumer FAQs

Credit reports and credit scores

Other resources

Fair Credit Reporting Act and Regulation V Compliance Resources

User notice

The Bureau launched this resource to provide an easier-to-navigate electronic format for many of its regulations. This resource is not an official legal edition of the Code of Federal Regulations or the Federal Register, and it does not replace the official versions of those publications. The Bureau has made every effort to ensure the material presented in this resource is accurate; if you are relying on it for legal research, please consult the official editions of those sources to confirm your findings.