{"description":"Documents matching 'compliance fair specifically fcra regarding reporting requirements'","count":241,"total_pages":13,"next_page_url":"https://www.federalregister.gov/api/v1/documents?conditions%5Bterm%5D=compliance+fair+specifically+fcra+regarding+reporting+requirements&format=json&page=2","results":[{"title":"Fair Credit Reporting Act; Preemption of State Laws","type":"Rule","abstract":"The Consumer Financial Protection Bureau (Bureau) is issuing this interpretive rule to clarify that the Fair Credit Reporting Act (FCRA) generally preempts State laws that touch on broad areas of credit reporting, consistent with Congress's intent to create national standards for the credit reporting system. This interpretive rule replaces a July 2022 interpretive rule that the Bureau withdrew in May 2025.","document_number":"2025-19671","html_url":"https://www.federalregister.gov/documents/2025/10/28/2025-19671/fair-credit-reporting-act-preemption-of-state-laws","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-10-28/pdf/2025-19671.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-19671.pdf?1761569107","publication_date":"2025-10-28","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"INFORMATION: \n I. Background \n \n The <span class=\"match\">Fair</span> Credit <span class=\"match\">Reporting</span> Act (<span class=\"match\">FCRA</span>)—which was enacted in 1970 and has been amended several times since—sets forth certain <span class=\"match\">requirements</span> “concerning the creation and use of consumer <span class=\"match\">reports</span>.” \n 1 \n \n The <span class=\"match\">FCRA</span> has always preempted State law, but the scope of that preemption has changed \n \n over time. Since its inception, the <span class=\"match\">FCRA</span> has preempted State laws “to the extent that those laws are inconsistent with any provision of” the <span class=\"match\">FCRA</span>.\n 2 \n \n But in 1996, Congress emphasized that <span class=\"match\">FCRA</span> standards were national by adding a"},{"title":"Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V)","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) is issuing a final rule amending Regulation V, which implements the Fair Credit Reporting Act (FCRA), concerning medical information. The FCRA prohibits creditors from considering medical information in credit eligibility determinations. The CFPB is removing a regulatory exception that had permitted creditors to obtain and use information on medical debts notwithstanding this statutory limitation. The final rule also provides that a consumer reporting agency generally may not furnish to a creditor a consumer report containing information on medical debt that the creditor is prohibited from using.","document_number":"2024-30824","html_url":"https://www.federalregister.gov/documents/2025/01/14/2024-30824/prohibition-on-creditors-and-consumer-reporting-agencies-concerning-medical-information-regulation-v","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-01-14/pdf/2024-30824.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-30824.pdf?1736775917","publication_date":"2025-01-14","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"third parties may obtain and use consumer <span class=\"match\">report</span> information from consumer <span class=\"match\">reporting</span> agencies. <span class=\"match\">FCRA</span> section 604(f) provides that a person shall not use or obtain a consumer <span class=\"match\">report</span> unless the consumer <span class=\"match\">report</span> is obtained for a purpose for which the consumer <span class=\"match\">report</span> is authorized to be furnished under <span class=\"match\">FCRA</span> section 604 and the purpose is certified in accordance with <span class=\"match\">FCRA</span> section 607 by a prospective user of the <span class=\"match\">report</span>.\n 97 \n \n \n \n \n 97 \n  15 U.S.C. 1681b(f).\n \n \n The <span class=\"match\">FCRA's</span> permissible purpose provisions are thus a key component to the statute's protection"},{"title":"Protecting Americans From Harmful Data Broker Practices (Regulation V)","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) is issuing a proposed rule for public comment to amend Regulation V, which implements the Fair Credit Reporting Act (FCRA). The proposed rule would implement the FCRA's definitions of consumer report and consumer reporting agency as well as certain of the FCRA's provisions governing when consumer reporting agencies may furnish, and users may obtain, consumer reports. The proposed rule is designed to, among other things, ensure that the FCRA's protections are applied to sensitive consumer information that the statute was enacted to protect, including information sold by data brokers.","document_number":"2024-28690","html_url":"https://www.federalregister.gov/documents/2024/12/13/2024-28690/protecting-americans-from-harmful-data-broker-practices-regulation-v","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-12-13/pdf/2024-28690.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-28690.pdf?1734011119","publication_date":"2024-12-13","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"(CFPB) is issuing a proposed rule for public comment to amend Regulation V, which implements the <span class=\"match\">Fair</span> Credit <span class=\"match\">Reporting</span> Act (<span class=\"match\">FCRA</span>). The proposed rule would implement the <span class=\"match\">FCRA's</span> definitions of consumer <span class=\"match\">report</span> and consumer <span class=\"match\">reporting</span> agency as well as certain of the <span class=\"match\">FCRA's</span> provisions governing when consumer <span class=\"match\">reporting</span> agencies may furnish, and users may obtain, consumer <span class=\"match\">reports</span>. The proposed rule is designed to, among other things, ensure that the <span class=\"match\">FCRA's</span> protections are applied to sensitive consumer information that the statute was enacted to protect"},{"title":"Fair Credit Reporting; File Disclosure","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB or Bureau) is issuing this advisory opinion to address certain obligations that consumer reporting agencies have under section 609(a) of the Fair Credit Reporting Act (FCRA). This advisory opinion underscores that, to trigger a consumer reporting agency's file disclosure requirement under FCRA section 609(a), a consumer does not need to use specific language, such as \"complete file\" or \"file.\" This advisory opinion also highlights the requirements regarding the information that must be disclosed to a consumer under FCRA section 609(a). In addition, this advisory opinion affirms that consumer reporting agencies must disclose to a consumer both the original source and any intermediary or vendor source (or sources) that provide the item of information to the consumer reporting agency under FCRA section 609(a).","document_number":"2024-00786","html_url":"https://www.federalregister.gov/documents/2024/01/23/2024-00786/fair-credit-reporting-file-disclosure","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-01-23/pdf/2024-00786.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-00786.pdf?1705931115","publication_date":"2024-01-23","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"obligations that consumer <span class=\"match\">reporting</span> agencies have under section 609(a) of the <span class=\"match\">Fair</span> Credit <span class=\"match\">Reporting</span> Act (<span class=\"match\">FCRA</span>). This advisory opinion underscores that, to trigger a consumer <span class=\"match\">reporting</span> agency's file disclosure <span class=\"match\">requirement</span> under <span class=\"match\">FCRA</span> section 609(a), a consumer does not need to use specific language, such as “complete file” or “file.” This advisory opinion also highlights the <span class=\"match\">requirements</span> <span class=\"match\">regarding</span> the information that must be disclosed to a consumer under <span class=\"match\">FCRA</span> section 609(a). In addition, this advisory opinion affirms that consumer <span class=\"match\">reporting</span> agencies must disclose"},{"title":"Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V)","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) is seeking public comment on a proposed rule amending Regulation V, which implements the Fair Credit Reporting Act (FCRA), concerning medical information. The CFPB is proposing to remove a regulatory exception in Regulation V from the limitation in the FCRA on creditors obtaining or using information on medical debts for credit eligibility determinations. The proposed rule would also provide that a consumer reporting agency generally may not furnish to a creditor a consumer report containing information on medical debt that the creditor is prohibited from using.","document_number":"2024-13208","html_url":"https://www.federalregister.gov/documents/2024/06/18/2024-13208/prohibition-on-creditors-and-consumer-reporting-agencies-concerning-medical-information-regulation-v","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-06-18/pdf/2024-13208.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-13208.pdf?1718628315","publication_date":"2024-06-18","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"consumer <span class=\"match\">reporting</span> agencies, the <span class=\"match\">FCRA</span> limits the circumstances under which third parties may obtain and use consumer <span class=\"match\">report</span> information from consumer <span class=\"match\">reporting</span> agencies. <span class=\"match\">FCRA</span> section 604(f) provides that a person shall not use or obtain a consumer <span class=\"match\">report</span> unless the consumer <span class=\"match\">report</span> is obtained for a purpose for which the consumer <span class=\"match\">report</span> is authorized to be furnished under <span class=\"match\">FCRA</span> section 604 and the purpose is certified in accordance with <span class=\"match\">FCRA</span> section 607 by a prospective user of the <span class=\"match\">report</span>.\n 65 \n \n \n \n \n 65 \n  15 U.S.C. 1681b(f).\n \n \n The <span class=\"match\">FCRA's</span> permissible"},{"title":"Agency Information Collection Activities; Proposed Collection; Comment Request; Extension","type":"Notice","abstract":"The Federal Trade Commission (\"FTC\" or \"Commission\") is seeking public comments on its proposal to extend for an additional three years the current Paperwork Reduction Act (\"PRA\") clearance for information collection requirements contained in the FTC regulations governing the duties of furnishers of information to consumer reporting agencies (\"Information Furnishers Rule\" or \"Rule\"), which applies to certain motor vehicle dealers, and its shared enforcement with the Bureau of Consumer Financial Protection (\"CFPB\") of the furnisher provisions (subpart E) of the CFPB's Regulation V regarding other entities. The current clearance expires on September 30, 2025.","document_number":"2025-08801","html_url":"https://www.federalregister.gov/documents/2025/05/16/2025-08801/agency-information-collection-activities-proposed-collection-comment-request-extension","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-05-16/pdf/2025-08801.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-08801.pdf?1747313124","publication_date":"2025-05-16","agencies":[{"raw_name":"FEDERAL TRADE COMMISSION","name":"Federal Trade Commission","id":192,"url":"https://www.federalregister.gov/agencies/federal-trade-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/192","parent_id":null,"slug":"federal-trade-commission"}],"excerpts":"Consumer <span class=\"match\">Reporting</span> Agencies.\n \n \n OMB Control Number: \n 3084-0144.\n \n \n Type of Review: \n Extension without change of a currently approved collection.\n \n \n Affected Public: \n Private Sector: Businesses and other for-profit entities.\n \n \n Estimated Annual Burden Hours: \n 15,423 hours.\n \n \n Estimated Annual Labor Costs: \n $942,021.\n \n \n Estimated Annual Non-Labor Costs: \n $0.\n \n \n Abstract: \n The Dodd-Frank Act \n 1 \n \n transferred most of the FTC's rulemaking authority for the furnisher provisions of the <span class=\"match\">Fair</span> Credit <span class=\"match\">Reporting</span> Act (“<span class=\"match\">FCRA</span>”) \n 2 \n \n"},{"title":"Agency Information Collection Activities Under OMB Review","type":"Notice","abstract":"In compliance with the Paperwork Reduction Act of 1995 (\"PRA\"), this notice announces that the Information Collection Request (\"ICR\") abstracted below has been forwarded to the Office of Information and Regulatory Affairs (\"OIRA\"), of the Office of Management and Budget (\"OMB\"), for review and comment. The ICR describes the nature of the information collection and its expected costs and burden.","document_number":"2026-12146","html_url":"https://www.federalregister.gov/documents/2026/06/17/2026-12146/agency-information-collection-activities-under-omb-review","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-06-17/pdf/2026-12146.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-12146.pdf?1781613910","publication_date":"2026-06-17","agencies":[{"raw_name":"COMMODITY FUTURES TRADING COMMISSION","name":"Commodity Futures Trading Commission","id":77,"url":"https://www.federalregister.gov/agencies/commodity-futures-trading-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/77","parent_id":null,"slug":"commodity-futures-trading-commission"}],"excerpts":"Credit <span class=\"match\">Reporting</span> Act (“<span class=\"match\">FCRA</span>”) \n 2 \n \n and the <span class=\"match\">Fair</span> and Accurate Credit Transactions Act of 2003 (“FACT Act”).\n 3 \n \n <span class=\"match\">Specifically</span>, Section 1088 of the CFP Act sets out certain amendments to the <span class=\"match\">FCRA</span> and the FACT Act directing the Commission to promulgate regulations that are intended to provide privacy protections to certain consumer information held by an entity that is subject to the jurisdiction of the Commission.\n \n \n \n 1 \n  Public Law 111-203, 124 Stat. 1376 (2010).\n \n \n \n \n 2 \n  15 U.S.C. 1681-1681x.\n \n \n \n \n 3 \n  Public Law 108-159, 117 Stat"},{"title":"Consumer Financial Protection Circular 2023-03: Adverse Action Notification Requirements and Proper Use of Sample Forms","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) has issued Consumer Financial Protection Circular 2023-03, titled, \"Adverse action notification requirements and the proper use of the CFPB's sample forms provided in Regulation B.\" In this circular, the CFPB responds to the question, \"When using artificial intelligence or complex credit models, may creditors rely on the checklist of reasons provided in CFPB sample forms for adverse action notices even when those sample reasons do not accurately or specifically identify the reasons for the adverse action?\"","document_number":"2024-08003","html_url":"https://www.federalregister.gov/documents/2024/04/17/2024-08003/consumer-financial-protection-circular-2023-03-adverse-action-notification-requirements-and-proper","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-04-17/pdf/2024-08003.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-08003.pdf?1713271515","publication_date":"2024-04-17","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"the ECOA <span class=\"match\">requirement</span> to disclose specific reasons for denying or taking other adverse action on an application or extension of credit.”). Moreover, while ECOA's <span class=\"match\">requirements</span> only apply to creditors, <span class=\"match\">FCRA's</span> adverse action notice <span class=\"match\">requirements</span> apply to “any person” that takes adverse action based in \n \n whole or in part on any information contained in a consumer <span class=\"match\">report</span>, including employers, landlords, insurers, and other users of consumer <span class=\"match\">reports</span>. 15 U.S.C. 1681m(a). This circular focuses on ECOA's adverse action notification <span class=\"match\">requirements</span> and does"},{"title":"Required Rulemaking on Personal Financial Data Rights","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) is issuing a final rule to carry out the personal financial data rights established by the Consumer Financial Protection Act of 2010 (CFPA). The final rule requires banks, credit unions, and other financial service providers to make consumers' data available upon request to consumers and authorized third parties in a secure and reliable manner; defines obligations for third parties accessing consumers' data, including important privacy protections; and promotes fair, open, and inclusive industry standards.","document_number":"2024-25079","html_url":"https://www.federalregister.gov/documents/2024/11/18/2024-25079/required-rulemaking-on-personal-financial-data-rights","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-11-18/pdf/2024-25079.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-25079.pdf?1731678320","publication_date":"2024-11-18","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"under the <span class=\"match\">FCRA</span>. The final rule does not alter the types of data, parties, or permissible purposes covered by the <span class=\"match\">FCRA</span>. Because the final rule does not change substantive <span class=\"match\">requirements</span> under the <span class=\"match\">FCRA</span> or Regulation V, the commenters that raised questions about the intersection of the <span class=\"match\">FCRA</span> with CFPA section 1033 and how to comply with <span class=\"match\">FCRA</span> obligations and duties must look to the <span class=\"match\">FCRA</span> and Regulation V to determine how to comply with a particular <span class=\"match\">FCRA</span> <span class=\"match\">requirement</span>. For example, whether a third party, such as a data aggregator, is a consumer <span class=\"match\">reporting</span> agency"},{"title":"Equal Credit Opportunity Act (Regulation B)","type":"Rule","abstract":"The Consumer Financial Protection Bureau (Bureau or CFPB) is issuing a final rule that amends provisions related to disparate impact, discouragement of applicants or prospective applicants, and special purpose credit programs under Regulation B, the regulation implementing the Equal Credit Opportunity Act (ECOA or Act). The amendments facilitate compliance with ECOA by clarifying the obligations imposed by the statute.","document_number":"2026-07804","html_url":"https://www.federalregister.gov/documents/2026/04/22/2026-07804/equal-credit-opportunity-act-regulation-b","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-04-22/pdf/2026-07804.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-07804.pdf?1776775512","publication_date":"2026-04-22","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"changes to underwriting and <span class=\"match\">compliance</span> controls, and <span class=\"match\">reporting</span> or disclosure refinement. Another commenter stated that the <span class=\"match\">compliance</span> burdens associated with the rule, such as additional <span class=\"match\">reporting</span>, data collection, and documentation <span class=\"match\">requirements</span> increase operational costs and may lead to increased denial rates. \n The Bureau disagrees that there will be new or expanded <span class=\"match\">compliance</span> obligations since the rule is deregulatory in nature and will most likely reduce the <span class=\"match\">compliance</span> burden of lenders especially related to <span class=\"match\">reporting</span>, data collection, and documentation"},{"title":"Defining “Willfully” for Firearms Violations","type":"Proposed Rule","abstract":"The Bureau of Alcohol, Tobacco, Firearms, and Explosives (\"ATF\") proposes to define the term \"willfully\" in Department of Justice (\"Department\") regulations that implement the Gun Control Act.","document_number":"2026-09159","html_url":"https://www.federalregister.gov/documents/2026/05/08/2026-09159/defining-willfully-for-firearms-violations","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-05-08/pdf/2026-09159.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-09159.pdf?1778157915","publication_date":"2026-05-08","agencies":[{"raw_name":"DEPARTMENT OF JUSTICE","name":"Justice Department","id":268,"url":"https://www.federalregister.gov/agencies/justice-department","json_url":"https://www.federalregister.gov/api/v1/agencies/268","parent_id":null,"slug":"justice-department"},{"raw_name":"Bureau of Alcohol, Tobacco, Firearms, and Explosives","name":"Alcohol, Tobacco, Firearms, and Explosives Bureau","id":19,"url":"https://www.federalregister.gov/agencies/alcohol-tobacco-firearms-and-explosives-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/19","parent_id":268,"slug":"alcohol-tobacco-firearms-and-explosives-bureau"}],"excerpts":"Burr, \n 551 U.S. 47, 57 (2007).\n \n \n Safeco, \n though, is not entirely apt. In \n Safeco, \n the Court considered the “willfulness” standard under the <span class=\"match\">Fair</span> Credit <span class=\"match\">Reporting</span> Act (“<span class=\"match\">FCRA</span>”) and focused on context-dependent levels of culpability meant by “willfulness.” The Court concluded that to give effect to all the other mens rea <span class=\"match\">requirements</span> in the <span class=\"match\">FCRA</span>, mere reckless disregard of the <span class=\"match\">FCRA's</span> <span class=\"match\">requirements</span> was sufficiently “willful.” Never in \n Safeco, \n however, did the Court evaluate the level of culpability required of the same mens rea, in the same"},{"title":"Supervisory Highlights, Issue 37 (Winter 2024)","type":"Notice","abstract":"The Consumer Financial Protection Bureau (CFPB) is issuing its thirty seventh edition of Supervisory Highlights.","document_number":"2024-31670","html_url":"https://www.federalregister.gov/documents/2025/01/06/2024-31670/supervisory-highlights-issue-37-winter-2024","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-01-06/pdf/2024-31670.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-31670.pdf?1735911927","publication_date":"2025-01-06","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"consumer <span class=\"match\">reporting</span> companies (CRCs) \n 13 \n \n for inclusion in consumer <span class=\"match\">reports</span> play a vital role in availability of credit and have a significant role to play in the <span class=\"match\">fair</span> and accurate <span class=\"match\">reporting</span> of credit information. Furnishers are subject to several <span class=\"match\">requirements</span> under the <span class=\"match\">FCRA</span> \n 14 \n \n and its implementing regulation, Regulation V,\n 15 \n \n including obligations to reasonably investigate disputes and to furnish data subject to the relevant accuracy <span class=\"match\">requirements</span>. In recent reviews, examiners continued to find deficiencies in furnishers' <span class=\"match\">compliance</span> with"},{"title":"Supervisory Highlights, Issue 32, Spring 2024","type":"Notice","abstract":"The Consumer Financial Protection Bureau (CFPB or Bureau) is issuing its thirty-second edition of Supervisory Highlights.","document_number":"2024-09712","html_url":"https://www.federalregister.gov/documents/2024/05/03/2024-09712/supervisory-highlights-issue-32-spring-2024","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-05-03/pdf/2024-09712.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-09712.pdf?1714653943","publication_date":"2024-05-03","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"integrity of information contained in consumer <span class=\"match\">reports</span>. They also have an important role in the investigation of consumer disputes relating to the accuracy of information in consumer <span class=\"match\">reports</span>. The <span class=\"match\">Fair</span> Credit <span class=\"match\">Reporting</span> Act (<span class=\"match\">FCRA</span>) \n 2 \n \n and its implementing regulation, Regulation V,\n 3 \n \n subject CRCs and furnishers to <span class=\"match\">requirements</span> relating to their roles in the credit <span class=\"match\">reporting</span> system, including the <span class=\"match\">requirement</span> to reasonably investigate disputes and certain accuracy-related <span class=\"match\">requirements</span>. The <span class=\"match\">FCRA</span> and Regulation V also impose obligations in connection"},{"title":"Concept Release on Residential Mortgage-Backed Securities Disclosures and Enhancements to Asset-Backed Securities Registration","type":"Proposed Rule","abstract":"The Securities and Exchange Commission (\"Commission\") is publishing this concept release to solicit comments on whether to amend the asset-level disclosure requirements for residential mortgage-backed securities in Item 1125 of Regulation AB and whether to revise generally the definition of \"asset-backed security\" and/or other definitions in Item 1101 of Regulation AB. The Commission is considering these steps to expand issuer and investor access to the registered asset-backed securities markets and facilitate enhanced capital formation and liquidity while maintaining appropriate investor protections.","document_number":"2025-19152","html_url":"https://www.federalregister.gov/documents/2025/10/01/2025-19152/concept-release-on-residential-mortgage-backed-securities-disclosures-and-enhancements-to","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-10-01/pdf/2025-19152.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-19152.pdf?1759236316","publication_date":"2025-10-01","agencies":[{"raw_name":"SECURITIES AND EXCHANGE COMMISSION","name":"Securities and Exchange Commission","id":466,"url":"https://www.federalregister.gov/agencies/securities-and-exchange-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/466","parent_id":null,"slug":"securities-and-exchange-commission"}],"excerpts":"Agencies while 8% were private-label securities issuances).\n \n \n \n \n 28 \n  Securities issued or guaranteed by the Agencies are, like government securities, exempt from the registration and <span class=\"match\">reporting</span> <span class=\"match\">requirements</span> of the Securities Act and the Exchange Act. \n See \n 12 U.S.C. 1455(g) and 1723c. They are, however, subject to other regulatory <span class=\"match\">reporting</span> <span class=\"match\">requirements</span>.\n \n \n \n \n 29 \n  \n See \n Diana Knyazeva, \n Asset-Backed Securities Markets: Issuance and Structure \n (Apr. 2025) at 5, \n available at https://www.sec.gov/files/dera-abs-mkt-2504.pdf \n and Table"},{"title":"Supervisory Highlights: Special Edition Auto Finance","type":"Notice","abstract":"The Consumer Financial Protection Bureau (CFPB or Bureau) is issuing its thirty fifth edition of Supervisory Highlights.","document_number":"2024-24093","html_url":"https://www.federalregister.gov/documents/2024/10/18/2024-24093/supervisory-highlights-special-edition-auto-finance","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-10-18/pdf/2024-24093.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-24093.pdf?1729169136","publication_date":"2024-10-18","agencies":[{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"Act (<span class=\"match\">FCRA</span>) and its implementing regulation, Regulation V.\n 11 \n \n For example, the <span class=\"match\">FCRA</span> and Regulation V require auto furnishers to reasonably investigate disputes and to furnish data subject to the relevant accuracy <span class=\"match\">requirements</span>. In recent reviews, examiners found deficiencies in auto furnishers' <span class=\"match\">compliance</span> with the <span class=\"match\">FCRA</span> accuracy <span class=\"match\">requirements</span>.\n \n \n \n 11 \n  12 CFR part 1022.\n \n \n 2.5.1 <span class=\"match\">Reporting</span> Information With Actual Knowledge of Errors \n \n Section 623(a)(1)(A) of the <span class=\"match\">FCRA</span> prohibits furnishers from furnishing any information relating to a consumer"},{"title":"Funding Opportunities: Bond Guarantee Program, FY 2026; Notice of Guarantee Availability","type":"Notice","abstract":"This NOGA is published in connection with the CDFI Bond Guarantee Program, administered by the Community Development Financial Institutions Fund (CDFI Fund), the U.S. Department of the Treasury (Treasury). Through this NOGA, the CDFI Fund announces the availability of up to $500 million of Guarantee Authority in FY 2026 subject to Congressional authorization. This NOGA explains application submission and evaluation requirements and processes, and provides agency contacts and information on CDFI Bond Guarantee Program outreach. Parties interested in being approved for a Guarantee under the CDFI Bond Guarantee Program must submit Qualified Issuer Applications and Guarantee Applications for consideration in accordance with this NOGA. Capitalized terms used in this NOGA, and not defined elsewhere, are defined in the CDFI Bond Guarantee Program regulations (12 CFR 1808.102) and the CDFI Program regulations (12 CFR 1805.104).","document_number":"2026-13172","html_url":"https://www.federalregister.gov/documents/2026/06/30/2026-13172/funding-opportunities-bond-guarantee-program-fy-2026-notice-of-guarantee-availability","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-06-30/pdf/2026-13172.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2026-13172.pdf?1782737117","publication_date":"2026-06-30","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Community Development Financial Institutions Fund","name":"Community Development Financial Institutions Fund","id":78,"url":"https://www.federalregister.gov/agencies/community-development-financial-institutions-fund","json_url":"https://www.federalregister.gov/api/v1/agencies/78","parent_id":497,"slug":"community-development-financial-institutions-fund"}],"excerpts":"Eligible CDFIs is available on the CDFI Fund's website at \n https://www.cdfifund.gov/programs-training/programs/cdfi-bond/<span class=\"match\">compliance</span>-step \n .\n \n i. The CDFI Fund reserves the right, in its sole discretion, to modify its <span class=\"match\">reporting</span> <span class=\"match\">requirements</span> if it determines it to be appropriate and necessary; however, such <span class=\"match\">reporting</span> <span class=\"match\">requirements</span> will be modified only after notice to Qualified Issuers. Additional information about <span class=\"match\">reporting</span> <span class=\"match\">requirements</span> pursuant to this NOGA, the Bond Documents and the Bond Loan documents will be subject to the Paperwork Reduction Act"},{"title":"Regulatory Publication and Review Under the Economic Growth and Regulatory Paperwork Reduction Act of 1996","type":"Proposed Rule","abstract":"Pursuant to the Economic Growth and Regulatory Paperwork Reduction Act of 1996 (EGRPRA), the OCC, Board, and FDIC (collectively, the agencies) are reviewing agency regulations to identify outdated or otherwise unnecessary regulatory requirements on insured depository institutions and their holding companies. Over approximately two years, the agencies will publish four Federal Register documents requesting comment on multiple categories of regulations. This second Federal Register document requests comment on regulations in the categories of Consumer Protection; Directors, Officers, and Employees; and Money Laundering.","document_number":"2024-16729","html_url":"https://www.federalregister.gov/documents/2024/08/01/2024-16729/regulatory-publication-and-review-under-the-economic-growth-and-regulatory-paperwork-reduction-act","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-08-01/pdf/2024-16729.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-16729.pdf?1722429916","publication_date":"2024-08-01","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"},{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"},{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"}],"excerpts":"364, Appx. B \n 12 CFR part 30, Appx. B \n 12 CFR part 364, Appx. B \n \n 12 CFR part 225, Appx. F [Reg. Y].\n ---------- \n   \n \n \n \n <span class=\"match\">Fair</span> Credit <span class=\"match\">Reporting</span> Act Duties of Users of Consumer <span class=\"match\">Reports</span> <span class=\"match\">Regarding</span> Address Discrepancies and Records Disposal \n 12 CFR part 41, subpart I \n 12 CFR part 222, subpart I [Reg V] \n 12 CFR part 334, subpart I \n 12 CFR part 41, subpart I \n 12 CFR part 334, subpart I \n \n \n <span class=\"match\">Fair</span> Credit <span class=\"match\">Reporting</span> Act Consumer Information Identity Theft Red Flags \n 12 CFR part 41, subpart J \n 12 CFR part 222 subpart J [Reg V] \n 12 CFR part 334"},{"title":"Use of Electronic Payroll Data To Improve Program Administration","type":"Rule","abstract":"Section 824 of the Bipartisan Budget Act of 2015 (BBA) authorizes the Commissioner of Social Security to enter into information exchanges with payroll data providers to obtain wage and employment information. We use wage and employment information to administer the Old-Age, Survivors, and Disability Insurance (OASDI) disability and Supplemental Security Income (SSI) programs under titles II and XVI of the Social Security Act (Act). We are updating our rules pursuant to the BBA, which requires us to prescribe, by regulation, procedures for implementing the access to and use of the information held by payroll data providers. We expect this final rule will support proper use of information exchanges with payroll data providers that will help us administer our programs more efficiently, improve our customers' experience, and prevent improper payments under titles II and XVI of the Act, which can otherwise occur when we do not receive timely and accurate wage and employment information.","document_number":"2024-30593","html_url":"https://www.federalregister.gov/documents/2024/12/31/2024-30593/use-of-electronic-payroll-data-to-improve-program-administration","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-12-31/pdf/2024-30593.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-30593.pdf?1735566310","publication_date":"2024-12-31","agencies":[{"raw_name":"Social Security Administration","name":"Social Security Administration","id":470,"url":"https://www.federalregister.gov/agencies/social-security-administration","json_url":"https://www.federalregister.gov/api/v1/agencies/470","parent_id":null,"slug":"social-security-administration"}],"excerpts":"commenter, certain duties are imposed on TWN (and us) because TWN's data is considered a “consumer <span class=\"match\">report</span>.” The commenter stated that, under the <span class=\"match\">Fair</span> Credit <span class=\"match\">Reporting</span> Act (<span class=\"match\">FCRA</span>), the consumer has a right to dispute errors \n \n in their consumer <span class=\"match\">report</span>,\n 43 \n \n and that when the consumer lodges a dispute, the Consumer <span class=\"match\">Reporting</span> Agency (CRA) must conduct a “reasonable investigation.” According to commenters, we should not reduce or suspend benefits during the <span class=\"match\">FCRA</span> investigation period. Commenters said, if the consumer continues to dispute information after"},{"title":"Regulation S-P: Privacy of Consumer Financial Information and Safeguarding Customer Information","type":"Rule","abstract":"The Securities and Exchange Commission (\"Commission\" or \"SEC\") is adopting rule amendments that will require brokers and dealers (or \"broker-dealers\"), investment companies, investment advisers registered with the Commission (\"registered investment advisers\"), funding portals, and transfer agents registered with the Commission or another appropriate regulatory agency (\"ARA\") as defined in the Securities Exchange Act of 1934 (\"transfer agents\") to adopt written policies and procedures for incident response programs to address unauthorized access to or use of customer information, including procedures for providing timely notification to individuals affected by an incident involving sensitive customer information with details about the incident and information designed to help affected individuals respond appropriately. In addition, the amendments extend the application of requirements to safeguard customer records and information to transfer agents; broaden the scope of information covered by the requirements for safeguarding customer records and information and for properly disposing of consumer report information; impose requirements to maintain written records documenting compliance with the amended rules; and conform annual privacy notice delivery provisions to the terms of an exception provided by a statutory amendment to the Gramm-Leach-Bliley Act (\"GLBA\").","document_number":"2024-11116","html_url":"https://www.federalregister.gov/documents/2024/06/03/2024-11116/regulation-s-p-privacy-of-consumer-financial-information-and-safeguarding-customer-information","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-06-03/pdf/2024-11116.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-11116.pdf?1717159514","publication_date":"2024-06-03","agencies":[{"raw_name":"SECURITIES AND EXCHANGE COMMISSION","name":"Securities and Exchange Commission","id":466,"url":"https://www.federalregister.gov/agencies/securities-and-exchange-commission","json_url":"https://www.federalregister.gov/api/v1/agencies/466","parent_id":null,"slug":"securities-and-exchange-commission"}],"excerpts":"contractual <span class=\"match\">requirement</span> because of its very narrow scope, <span class=\"match\">specifically</span> stating that “as drafted, [the <span class=\"match\">requirement</span>] would only apply to any service provider that receives, maintains, processes, or otherwise is permitted access to customer information through the service provider's provision of services directly to the covered institution.” \n Id. \n \n \n \n \n 226 \n  \n See \n SIFMA Comment Letter 2.\n \n \n \n \n Several commenters opposed this proposed <span class=\"match\">requirement</span>.\n 227 \n \n <span class=\"match\">Specifically</span>, two commenters asserted that the written contract <span class=\"match\">requirement</span> would harm"},{"title":"Consumer Financial Protection Circular 2022-07: Reasonable Investigation of Consumer Reporting Disputes","type":"Rule","abstract":"The Consumer Financial Protection Bureau (Bureau or CFPB) has issued Consumer Financial Protection Circular 2022-07, titled, \"Reasonable Investigation of Consumer Reporting Disputes.\" In this circular, the Bureau responds to the questions, \"1. Are consumer reporting agencies and the entities that furnish information to them (furnishers) permitted under the Fair Credit Reporting Act (FCRA) to impose obstacles that deter submission of disputes? \" and \"2. Do consumer reporting agencies need to forward to furnishers consumer- provided documents attached to a dispute? \"","document_number":"2022-25138","html_url":"https://www.federalregister.gov/documents/2022/11/23/2022-25138/consumer-financial-protection-circular-2022-07-reasonable-investigation-of-consumer-reporting","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2022-11-23/pdf/2022-25138.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2022-25138.pdf?1669124715","publication_date":"2022-11-23","agencies":[{"raw_name":"BUREAU OF CONSUMER FINANCIAL PROTECTION","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"excerpts":"Questions Presented \n 1. Are consumer <span class=\"match\">reporting</span> agencies and the entities that furnish information to them (furnishers) permitted under the <span class=\"match\">Fair</span> Credit <span class=\"match\">Reporting</span> Act (<span class=\"match\">FCRA</span>) to impose obstacles that deter submission of disputes? \n 2. Do consumer <span class=\"match\">reporting</span> agencies need to forward to furnishers consumer-provided documents attached to a dispute? \n Responses \n 1. No. Consumer <span class=\"match\">reporting</span> agencies and furnishers are liable under the <span class=\"match\">FCRA</span> if they fail to investigate any dispute that meets the statutory and regulatory <span class=\"match\">requirements</span>, as described in more detail below"}]}