Title 12

PART 1022

Part 1022 - Fair Credit Reporting (regulation V)

PART 1022 - FAIR CREDIT REPORTING (REGULATION V) Authority:12 U.S.C. 5512, 5581; 15 U.S.C. 1681a, 1681b, 1681c, 1681c-1, 1681e, 1681g, 1681i, 1681j, 1681m, 1681s, 1681s-2, 1681s-3, and 1681t; Sec. 214, Public Law 108-159, 117 Stat. 1952. Source:76 FR 79312, Dec. 21, 2011, unless otherwise noted.

• Authority: 12 U.S.C. 5512, 5581; 15 U.S.C. 1681a, 1681b, 1681c, 1681c-1, 1681e, 1681g, 1681i, 1681j, 1681m, 1681s, 1681s-2, 1681s-3, and 1681t; Sec. 214, Public Law 108-159, 117 Stat. 1952.
• Source: 76 FR 79312, Dec. 21, 2011, unless otherwise noted.

12:8.0.2.1.18.1	SUBPART A	Subpart A - General Provisions
12:8.0.2.1.18.1.1.1	SECTION 1022.1	1022.1 Purpose, scope, and model forms and disclosures.
12:8.0.2.1.18.1.1.2	SECTION 1022.2	1022.2 Examples.
12:8.0.2.1.18.1.1.3	SECTION 1022.3	1022.3 Definitions.
12:8.0.2.1.18.2	SUBPART B	Subpart B [Reserved]
12:8.0.2.1.18.3	SUBPART C	Subpart C - Affiliate Marketing
12:8.0.2.1.18.3.1.1	SECTION 1022.20	1022.20 Coverage and definitions.
12:8.0.2.1.18.3.1.2	SECTION 1022.21	1022.21 Affiliate marketing opt-out and exceptions.
12:8.0.2.1.18.3.1.3	SECTION 1022.22	1022.22 Scope and duration of opt-out.
12:8.0.2.1.18.3.1.4	SECTION 1022.23	1022.23 Contents of opt-out notice; consolidated and equivalent notices.
12:8.0.2.1.18.3.1.5	SECTION 1022.24	1022.24 Reasonable opportunity to opt out.
12:8.0.2.1.18.3.1.6	SECTION 1022.25	1022.25 Reasonable and simple methods of opting out.
12:8.0.2.1.18.3.1.7	SECTION 1022.26	1022.26 Delivery of opt-out notices.
12:8.0.2.1.18.3.1.8	SECTION 1022.27	1022.27 Renewal of opt-out.
12:8.0.2.1.18.4	SUBPART D	Subpart D - Medical Information
12:8.0.2.1.18.4.1.1	SECTION 1022.30	1022.30 Obtaining or using medical information in connection with a determination of eligibility for credit.
12:8.0.2.1.18.4.1.2	SECTION 1022.31	1022.31 Limits on redisclosure of information.
12:8.0.2.1.18.4.1.3	SECTION 1022.32	1022.32 Sharing medical information with affiliates.
12:8.0.2.1.18.5	SUBPART E	Subpart E - Duties of Furnishers of Information
12:8.0.2.1.18.5.1.1	SECTION 1022.40	1022.40 Scope.
12:8.0.2.1.18.5.1.2	SECTION 1022.41	1022.41 Definitions.
12:8.0.2.1.18.5.1.3	SECTION 1022.42	1022.42 Reasonable policies and procedures concerning the accuracy and integrity of furnished information.
12:8.0.2.1.18.5.1.4	SECTION 1022.43	1022.43 Direct disputes.
12:8.0.2.1.18.6	SUBPART F	Subpart F - Duties of Users Regarding Obtaining and Using Consumer Reports
12:8.0.2.1.18.6.1.1	SECTION 1022.50-1022.53	1022.50-1022.53 [Reserved]
12:8.0.2.1.18.6.1.2	SECTION 1022.54	1022.54 Duties of users making written firm offers of credit or insurance based on information contained in consumer files
12:8.0.2.1.18.6.1.3	SECTION 1022.55-1022.59	1022.55-1022.59 [Reserved]
12:8.0.2.1.18.7	SUBPART G	Subpart G [Reserved]
12:8.0.2.1.18.8	SUBPART H	Subpart H - Duties of Users Regarding Risk-Based Pricing
12:8.0.2.1.18.8.1.1	SECTION 1022.70	1022.70 Scope.
12:8.0.2.1.18.8.1.2	SECTION 1022.71	1022.71 Definitions.
12:8.0.2.1.18.8.1.3	SECTION 1022.72	1022.72 General requirements for risk-based pricing notices.
12:8.0.2.1.18.8.1.4	SECTION 1022.73	1022.73 Content, form, and timing of risk-based pricing notices.
12:8.0.2.1.18.8.1.5	SECTION 1022.74	1022.74 Exceptions.
12:8.0.2.1.18.8.1.6	SECTION 1022.75	1022.75 Rules of construction.
12:8.0.2.1.18.9	SUBPART I	Subpart I - Duties of Users of Consumer Reports Regarding Identity Theft
12:8.0.2.1.18.9.1.1	SECTION 1022.80-1022.81	1022.80-1022.81 [Reserved]
12:8.0.2.1.18.9.1.2	SECTION 1022.82	1022.82 Duties of users regarding address discrepancies.
12:8.0.2.1.18.10	SUBPART J	Subparts J-L [Reserved]
12:8.0.2.1.18.11	SUBPART M	Subpart M - Duties of Consumer Reporting Agencies Regarding Identity Theft
12:8.0.2.1.18.11.1.1	SECTION 1022.120	1022.120 [Reserved]
12:8.0.2.1.18.11.1.2	SECTION 1022.121	1022.121 Active duty alerts.
12:8.0.2.1.18.11.1.3	SECTION 1022.122	1022.122 [Reserved]
12:8.0.2.1.18.11.1.4	SECTION 1022.123	1022.123 Appropriate proof of identity.
12:8.0.2.1.18.11.1.5	SECTION 1022.124-1022.129	1022.124-1022.129 [Reserved]
12:8.0.2.1.18.12	SUBPART N	Subpart N - Duties of Consumer Reporting Agencies Regarding Disclosures to Consumers
12:8.0.2.1.18.12.1.1	SECTION 1022.130	1022.130 Definitions
12:8.0.2.1.18.12.1.2	SECTION 1022.131-1022.135	1022.131-1022.135 [Reserved]
12:8.0.2.1.18.12.1.3	SECTION 1022.136	1022.136 Centralized source for requesting annual file disclosures from nationwide consumer reporting agencies.
12:8.0.2.1.18.12.1.4	SECTION 1022.137	1022.137 Streamlined process for requesting annual file disclosures from nationwide specialty consumer reporting agencies.
12:8.0.2.1.18.12.1.5	SECTION 1022.138	1022.138 Prevention of deceptive marketing of free credit reports.
12:8.0.2.1.18.12.1.6	SECTION 1022.139	1022.139 [Reserved]
12:8.0.2.1.18.13	SUBPART O	Subpart O - Miscellaneous Duties of Consumer Reporting Agencies
12:8.0.2.1.18.13.1.1	SECTION 1022.140	1022.140 Prohibition against circumventing or evading treatment as a consumer reporting agency
12:8.0.2.1.18.13.1.2	SECTION 1022.141	1022.141 Reasonable charges for certain disclosures.
12:8.0.2.1.18.14	SUBPART 0
12:8.0.2.1.18.15.1.1.35	APPENDIX Appendix A	Appendix A to Part 1022 [Reserved]
12:8.0.2.1.18.15.1.1.36	APPENDIX Appendix B	Appendix B to Part 1022 - Model Notices of Furnishing Negative Information
12:8.0.2.1.18.15.1.1.37	APPENDIX Appendix C	Appendix C to Part 1022 - Model Forms for Opt-Out Notices
12:8.0.2.1.18.15.1.1.38	APPENDIX Appendix D	Appendix D to Part 1022 - Model Forms for Firm Offers of Credit or Insurance
12:8.0.2.1.18.15.1.1.39	APPENDIX Appendix E	Appendix E to Part 1022 - Interagency Guidelines Concerning the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies
12:8.0.2.1.18.15.1.1.40	APPENDIX	Appendixes F-G to Part 1022 [Reserved]
12:8.0.2.1.18.15.1.1.41	APPENDIX Appendix H	Appendix H to Part 1022 - Model Forms for Risk-Based Pricing and Credit Score Disclosure Exception Notices
12:8.0.2.1.18.15.1.1.42	APPENDIX Appendix I	Appendix I to Part 1022 - Summary of Consumer Identity Theft Rights
12:8.0.2.1.18.15.1.1.43	APPENDIX Appendix J	Appendix J to Part 1022 [Reserved]
12:8.0.2.1.18.15.1.1.44	APPENDIX Appendix K	Appendix K to Part 1022 - Summary of Consumer Rights
12:8.0.2.1.18.15.1.1.45	APPENDIX Appendix L	Appendix L to Part 1022 - Standardized Form for Requesting Annual File Disclosures
12:8.0.2.1.18.15.1.1.46	APPENDIX Appendix M	Appendix M to Part 1022 - Notice of Furnisher Responsibilities
12:8.0.2.1.18.15.1.1.47	APPENDIX Appendix N	Appendix N to Part 1022 - Notice of User Responsibilities
12:8.0.2.1.18.15.1.1.48	APPENDIX Appendix O	Appendix O to Part 1022 - Reasonable Charges for Certain Disclosures

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