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Fair Credit Reporting Act (Reg V)

FCRA is intended to ensure consumer reports are accurate and used for permissible purposes. It creates consumer protections and rights and imposes responsibilities on banks as users of consumer reports and entities furnishing information to the consumer reporting agencies. It also imposes on banks responsibility to prevent identify theft.

Some FCRA provisions are implements under Regulation V. The CFPB has indicated that it plans to being rulemaking in November 2023.

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Hallee Morgan

Hallee Morgan

Vice President & Senior Counsel, Regulatory Compliance and Policy

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