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.

12:8.0.2.1.18.1SUBPART A
Subpart A - General Provisions
12:8.0.2.1.18.1.1.1SECTION 1022.1
   1022.1 Purpose, scope, and model forms and disclosures.
12:8.0.2.1.18.1.1.2SECTION 1022.2
   1022.2 Examples.
12:8.0.2.1.18.1.1.3SECTION 1022.3
   1022.3 Definitions.
12:8.0.2.1.18.2SUBPART B
Subpart B [Reserved]
12:8.0.2.1.18.3SUBPART C
Subpart C - Affiliate Marketing
12:8.0.2.1.18.3.1.1SECTION 1022.20
   1022.20 Coverage and definitions.
12:8.0.2.1.18.3.1.2SECTION 1022.21
   1022.21 Affiliate marketing opt-out and exceptions.
12:8.0.2.1.18.3.1.3SECTION 1022.22
   1022.22 Scope and duration of opt-out.
12:8.0.2.1.18.3.1.4SECTION 1022.23
   1022.23 Contents of opt-out notice; consolidated and equivalent notices.
12:8.0.2.1.18.3.1.5SECTION 1022.24
   1022.24 Reasonable opportunity to opt out.
12:8.0.2.1.18.3.1.6SECTION 1022.25
   1022.25 Reasonable and simple methods of opting out.
12:8.0.2.1.18.3.1.7SECTION 1022.26
   1022.26 Delivery of opt-out notices.
12:8.0.2.1.18.3.1.8SECTION 1022.27
   1022.27 Renewal of opt-out.
12:8.0.2.1.18.4SUBPART D
Subpart D - Medical Information
12:8.0.2.1.18.4.1.1SECTION 1022.30
   1022.30 Obtaining or using medical information in connection with a determination of eligibility for credit.
12:8.0.2.1.18.4.1.2SECTION 1022.31
   1022.31 Limits on redisclosure of information.
12:8.0.2.1.18.4.1.3SECTION 1022.32
   1022.32 Sharing medical information with affiliates.
12:8.0.2.1.18.5SUBPART E
Subpart E - Duties of Furnishers of Information
12:8.0.2.1.18.5.1.1SECTION 1022.40
   1022.40 Scope.
12:8.0.2.1.18.5.1.2SECTION 1022.41
   1022.41 Definitions.
12:8.0.2.1.18.5.1.3SECTION 1022.42
   1022.42 Reasonable policies and procedures concerning the accuracy and integrity of furnished information.
12:8.0.2.1.18.5.1.4SECTION 1022.43
   1022.43 Direct disputes.
12:8.0.2.1.18.6SUBPART F
Subpart F - Duties of Users Regarding Obtaining and Using Consumer Reports
12:8.0.2.1.18.6.1.1SECTION 1022.50-1022.53
   1022.50-1022.53 [Reserved]
12:8.0.2.1.18.6.1.2SECTION 1022.54
   1022.54 Duties of users making written firm offers of credit or insurance based on information contained in consumer files
12:8.0.2.1.18.6.1.3SECTION 1022.55-1022.59
   1022.55-1022.59 [Reserved]
12:8.0.2.1.18.7SUBPART G
Subpart G [Reserved]
12:8.0.2.1.18.8SUBPART H
Subpart H - Duties of Users Regarding Risk-Based Pricing
12:8.0.2.1.18.8.1.1SECTION 1022.70
   1022.70 Scope.
12:8.0.2.1.18.8.1.2SECTION 1022.71
   1022.71 Definitions.
12:8.0.2.1.18.8.1.3SECTION 1022.72
   1022.72 General requirements for risk-based pricing notices.
12:8.0.2.1.18.8.1.4SECTION 1022.73
   1022.73 Content, form, and timing of risk-based pricing notices.
12:8.0.2.1.18.8.1.5SECTION 1022.74
   1022.74 Exceptions.
12:8.0.2.1.18.8.1.6SECTION 1022.75
   1022.75 Rules of construction.
12:8.0.2.1.18.9SUBPART I
Subpart I - Duties of Users of Consumer Reports Regarding Identity Theft
12:8.0.2.1.18.9.1.1SECTION 1022.80-1022.81
   1022.80-1022.81 [Reserved]
12:8.0.2.1.18.9.1.2SECTION 1022.82
   1022.82 Duties of users regarding address discrepancies.
12:8.0.2.1.18.10SUBPART J
Subparts J-L [Reserved]
12:8.0.2.1.18.11SUBPART M
Subpart M - Duties of Consumer Reporting Agencies Regarding Identity Theft
12:8.0.2.1.18.11.1.1SECTION 1022.120
   1022.120 [Reserved]
12:8.0.2.1.18.11.1.2SECTION 1022.121
   1022.121 Active duty alerts.
12:8.0.2.1.18.11.1.3SECTION 1022.122
   1022.122 [Reserved]
12:8.0.2.1.18.11.1.4SECTION 1022.123
   1022.123 Appropriate proof of identity.
12:8.0.2.1.18.11.1.5SECTION 1022.124-1022.129
   1022.124-1022.129 [Reserved]
12:8.0.2.1.18.12SUBPART N
Subpart N - Duties of Consumer Reporting Agencies Regarding Disclosures to Consumers
12:8.0.2.1.18.12.1.1SECTION 1022.130
   1022.130 Definitions
12:8.0.2.1.18.12.1.2SECTION 1022.131-1022.135
   1022.131-1022.135 [Reserved]
12:8.0.2.1.18.12.1.3SECTION 1022.136
   1022.136 Centralized source for requesting annual file disclosures from nationwide consumer reporting agencies.
12:8.0.2.1.18.12.1.4SECTION 1022.137
   1022.137 Streamlined process for requesting annual file disclosures from nationwide specialty consumer reporting agencies.
12:8.0.2.1.18.12.1.5SECTION 1022.138
   1022.138 Prevention of deceptive marketing of free credit reports.
12:8.0.2.1.18.12.1.6SECTION 1022.139
   1022.139 [Reserved]
12:8.0.2.1.18.13SUBPART O
Subpart O - Miscellaneous Duties of Consumer Reporting Agencies
12:8.0.2.1.18.13.1.1SECTION 1022.140
   1022.140 Prohibition against circumventing or evading treatment as a consumer reporting agency
12:8.0.2.1.18.13.1.2SECTION 1022.141
   1022.141 Reasonable charges for certain disclosures.
12:8.0.2.1.18.14SUBPART 0
12:8.0.2.1.18.15.1.1.29APPENDIX Appendix A
   Appendix A to Part 1022 [Reserved]
12:8.0.2.1.18.15.1.1.30APPENDIX Appendix B
   Appendix B to Part 1022 - Model Notices of Furnishing Negative Information
12:8.0.2.1.18.15.1.1.31APPENDIX Appendix C
   Appendix C to Part 1022 - Model Forms for Opt-Out Notices
12:8.0.2.1.18.15.1.1.32APPENDIX Appendix D
   Appendix D to Part 1022 - Model Forms for Firm Offers of Credit or Insurance
12:8.0.2.1.18.15.1.1.33APPENDIX Appendix E
   Appendix E to Part 1022 - Interagency Guidelines Concerning the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies
12:8.0.2.1.18.15.1.1.34APPENDIX
   Appendixes F-G to Part 1022 [Reserved]
12:8.0.2.1.18.15.1.1.35APPENDIX Appendix H
   Appendix H to Part 1022 - Model Forms for Risk-Based Pricing and Credit Score Disclosure Exception Notices
12:8.0.2.1.18.15.1.1.36APPENDIX Appendix I
   Appendix I to Part 1022 - Summary of Consumer Identity Theft Rights
12:8.0.2.1.18.15.1.1.37APPENDIX Appendix J
   Appendix J to Part 1022 [Reserved]
12:8.0.2.1.18.15.1.1.38APPENDIX Appendix K
   Appendix K to Part 1022 - Summary of Consumer Rights
12:8.0.2.1.18.15.1.1.39APPENDIX Appendix L
   Appendix L to Part 1022 - Standardized Form for Requesting Annual File Disclosures
12:8.0.2.1.18.15.1.1.40APPENDIX Appendix M
   Appendix M to Part 1022 - Notice of Furnisher Responsibilities
12:8.0.2.1.18.15.1.1.41APPENDIX Appendix N
   Appendix N to Part 1022 - Notice of User Responsibilities
12:8.0.2.1.18.15.1.1.42APPENDIX Appendix O
   Appendix O to Part 1022 - Reasonable Charges for Certain Disclosures