Fair Credit Reporting Act (Reg V) | American Bankers Association

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Some FCRA provisions are implemented under Regulation V. FCRA is under Congressional review, especially in light of the 2017 Equifax breach.

Rules & Regulations

Regulation V (12 C.F.R. 1022)

Staff Analysis

Proposal Prohibiting Inclusion of Adverse Information in Consumer Reports
April 21, 2022
CFPB’s 2022 Report of Credit and Consumer Reporting Complaints
January 13, 2022
Summary of Bills Amending the Fair Credit Reporting Act
February 13, 2020
Summary of Fall 2019 CFPB Supervisory Highlights: FCRA Furnisher Provisions
December 17, 2019

FCRA Questions from the Hotline

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Agency Guidance

CFPB expects CRAs and furnishers to comply fully with FCRA requirements
September 4, 2013

Exam Procedures

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Policy Library
News

Policy Library

Comment Letter
Letter to CFPB on Consumer Reporting in Cases of Human Trafficking
May 9, 2022
Staff Analysis
Proposal Prohibiting Inclusion of Adverse Information in Consumer Reports
April 21, 2022
Staff Analysis
CFPB’s 2022 Report of Credit and Consumer Reporting Complaints
January 13, 2022
Testimony
ABA Statement for the Record: "Cyber Threats, Consumer Data, and the Financial System."
November 3, 2021

News

NewsByte
CFPB issues final rule on credit reporting protections for human trafficking survivors
June 23, 2022
NewsByte
ABA weighs in on CFPB’s human trafficking, credit reporting proposal
May 10, 2022
Article
Can We Block Credit Applications from Consumers Who Were Denied Because of a Credit Freeze?
November 08, 2021

Proposed Rules

CFPB: Request for Information Regarding Data Broker Practices

Related Training & Events

Identity Theft Red Flags and Information Security
Self-Paced Training
FCRA: Use of Consumer Reports in Employment
Self-Paced Training
FCRA: Adverse Action
Self-Paced Training
FCRA: Duties of Furnishers
Self-Paced Training

ABA Resources

Article
Existing Privacy Laws Already Regulate Information Sharing
December 31, 2021
Guide
ABAWorks on Fraud: Identity Theft Red Flag Regulation
April 29, 2013

In Depth

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Our Experts

Nessa Feddis

Senior Vice President & Senior Counsel, Regulatory Compliance and Policy

Diana Banks-Thompson

Vice President & Senior Counsel, Regulatory Compliance and Policy

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