{"description":"Documents matching 'under fcra section consumer does'","count":400,"total_pages":20,"next_page_url":"https://www.federalregister.gov/api/v1/documents?conditions%5Bterm%5D=under+fcra+section+consumer+does&format=json&page=2","results":[{"title":"Fair Credit Reporting Act Disclosures","type":"Rule","abstract":"The Consumer Financial Protection Bureau (Bureau) is issuing this final rule amending an appendix for Regulation V, which implements the Fair Credit Reporting Act (FCRA). The Bureau is required to calculate annually the dollar amount of the maximum allowable charge for disclosures by a consumer reporting agency to a consumer pursuant to section 609 of the FCRA; this final rule establishes the maximum allowable charge for the 2026 calendar year.","document_number":"2025-22772","html_url":"https://www.federalregister.gov/documents/2025/12/15/2025-22772/fair-credit-reporting-act-disclosures","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-12-15/pdf/2025-22772.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-22772.pdf?1765547118","publication_date":"2025-12-15","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":"Regulation V, which implements the FCRA, to establish the maximum allowable charge for disclosures by a consumer reporting agency to a consumer for 2026. The maximum allowable charge will be $16.00 for 2026. \n I. Background \n \n Under section 609 of the FCRA, a consumer reporting agency must, upon a consumer's request, disclose to the consumer information in the consumer's file.\n 1 \n \n Section 612(a) of the FCRA gives consumers the right to a free file disclosure upon request once every 12 months from the nationwide consumer reporting agencies and nationwide"},{"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":"practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.\n \n \n Removal of the Financial Information Exception \n Under this final rule, a creditor will no longer be able to consider medical information related to a consumer's medical debt in connection with any determination of the consumer's eligibility, or continued eligibility"},{"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 listed in section 1681c may continue to appear on a consumer report is a subject matter regulated under section 1681c, what or when items generally may be \n initially \n included on a consumer report is not a subject matter regulated under section 1681c.” \n 60 \n \n Thus, under the interpretive rule, “State laws relating to what or when items generally may be initially included on a consumer report—or what or when certain types of information may initially be included on a consumer report—would generally not be preempted by section 1681t(b)(1)(E)"},{"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":"certain aspects of FCRA section 604(a) regarding permissible purposes to furnish and obtain consumer reports. These proposals are designed to ensure that consumer reports are furnished for permissible purposes under the FCRA, and for no other reasons. For example, the proposed rule: \n • Provides that a consumer reporting agency furnishes a consumer report to a person when the consumer reporting agency facilitates the person's use of the consumer report for the person's financial gain, even if the consumer reporting agency does not technically transfer"},{"title":"Fair Credit Reporting Act Disclosures","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) is issuing this final rule amending an appendix for Regulation V, which implements the Fair Credit Reporting Act (FCRA). The CFPB is required to calculate annually the dollar amount of the maximum allowable charge for disclosures by a consumer reporting agency to a consumer pursuant to section 609 of the FCRA; this final rule establishes the maximum allowable charge for the 2025 calendar year.","document_number":"2024-27695","html_url":"https://www.federalregister.gov/documents/2024/11/29/2024-27695/fair-credit-reporting-act-disclosures","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-11-29/pdf/2024-27695.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-27695.pdf?1732715121","publication_date":"2024-11-29","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":"Regulation V, which implements the FCRA, to establish the maximum allowable charge for disclosures by a consumer reporting agency to a consumer for 2025. The maximum allowable charge will be $15.50 for 2025. \n I. Background \n \n Under section 609 of the FCRA, a consumer reporting agency must, upon a consumer's request, disclose to the consumer information in the consumer's file.\n 1 \n \n Section 612(a) of the FCRA gives consumers the right to a free file disclosure upon request once every 12 months from the nationwide consumer reporting agencies and nationwide"},{"title":"Consumer Financial Protection Circular 2024-06: Background Dossiers and Algorithmic Scores for Hiring, Promotion, and Other Employment Decisions","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) has issued Consumer Financial Protection Circular 2024-06, titled, \"Background Dossiers and Algorithmic Scores for Hiring, Promotion, and Other Employment Decisions.\" In this circular, the CFPB responds to the question, \"Can an employer make employment decisions utilizing background dossiers, algorithmic scores, and other third-party consumer reports about workers without adhering to the Fair Credit Reporting Act (FCRA)?\"","document_number":"2024-26099","html_url":"https://www.federalregister.gov/documents/2024/11/12/2024-26099/consumer-financial-protection-circular-2024-06-background-dossiers-and-algorithmic-scores-for-hiring","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-11-12/pdf/2024-26099.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-26099.pdf?1731073578","publication_date":"2024-11-12","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":"about a worker are “consumer reports” under the FCRA. Other types of consumer reports may include, for example, reports that convey scores assessing a current worker's risk level or performance. \n Employers that use consumer reports—both initially when hiring workers and for subsequent employment purposes—must comply with FCRA obligations, including the requirement to obtain a worker's permission to procure a consumer report, the obligation to provide notices before and upon taking adverse actions, and a prohibition on using consumer reports for purposes"},{"title":"Agency Information Collection Activities: Notice of Intent To Renew Collection Number 3038-0067, Part 162-Protection of Consumer Information Under the Fair Credit Reporting Act","type":"Notice","abstract":"The Commodity Futures Trading Commission (\"Commission\") is announcing an opportunity for public comment on the proposed renewal of a collection of certain information by the agency. Under the Paperwork Reduction Act (\"PRA\"), Federal agencies are required to publish notice in the Federal Register concerning each proposed collection of information, including each proposed extension of an existing collection of information, and to allow 60 days for public comment. This notice solicits comments on the collections of information mandated by part 162 of the Commission's regulations (Protection of Consumer Information under the Fair Credit Reporting Act).","document_number":"2025-10439","html_url":"https://www.federalregister.gov/documents/2025/06/10/2025-10439/agency-information-collection-activities-notice-of-intent-to-renew-collection-number-3038-0067-part","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-06-10/pdf/2025-10439.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-10439.pdf?1749473111","publication_date":"2025-06-10","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":"Stat. 1952, 1980 (2003).\n \n \n \n Section 1088 amends section 214(b) of the FACT Act—which added section 624 to the FCRA in 2003—and directs the Commission to implement the provisions of section 624 of the FCRA with respect to persons that are subject to the Commission's enforcement \n \n jurisdiction. Section 624 of the FCRA gives a consumer the right to block affiliates of an entity subject to the Commission's jurisdiction from using certain information obtained from such entity to make solicitations to that consumer (hereinafter referred to as the"},{"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":"provides the framework for the consumer reporting system in the United States. The FCRA regulates the practices of consumer reporting agencies that collect and compile consumer information into consumer reports for use by creditors, insurance companies, employers, landlords, and other entities in making eligibility decisions affecting consumers. The FCRA also limits the circumstances under which persons, such as creditors, may obtain and use consumer report information from consumer reporting agencies.\n \n \n \n 59 \n FCRA section 602(a)(4) (15 U.S.C. 1681(a)(4))"},{"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":"disclosure requirements imposed under FCRA section 609(a). First, 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.” Next, this advisory opinion highlights the requirements regarding the information that must be disclosed to a consumer under FCRA section 609(a). Finally, this advisory opinion affirms that consumer reporting agencies must disclose to a consumer both the original source"},{"title":"Fair Credit Reporting; Background Screening","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB or Bureau) is issuing this advisory opinion to affirm that, when preparing consumer reports, a consumer reporting agency that reports public record information is not using reasonable procedures to assure maximum possible accuracy under section 607(b) of the Fair Credit Reporting Act (FCRA) if it does not have certain procedures in place. For example, it must have procedures that prevent reporting of information that is duplicative or that has been expunged, sealed, or otherwise legally restricted from public access. This advisory opinion also highlights certain aspects of the reporting period for adverse items under FCRA section 605(a)(5).","document_number":"2024-00788","html_url":"https://www.federalregister.gov/documents/2024/01/23/2024-00788/fair-credit-reporting-background-screening","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-01-23/pdf/2024-00788.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-00788.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":"some instances, consumer reporting agencies may also be able to request lists of expunged matters from the original source and then remove those matters from their databases.\n 32 \n \n In addition, under FCRA section 611(a)(5)(C), consumer reporting agencies must maintain reasonable procedures to ensure that information that is deleted from a consumer's file under FCRA section 611(a)(5)(A) because it is inaccurate or incomplete or cannot be verified does not reappear, except in the limited circumstances \n \n specified in FCRA section 611(a)(5)(B). This"},{"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":"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. 1952, 1980 (2003).\n \n \n \n Section 1088 amends section 214(b) of the FACT Act—which added section 624 to the FCRA in 2003—and directs the Commission to implement the provisions of section 624 of the FCRA with respect to persons that are subject to the Commission's enforcement jurisdiction. Section 624 of the FCRA gives"},{"title":"Semiannual Regulatory Agenda","type":"Notice","abstract":"The Consumer Financial Protection Bureau (CFPB) is publishing this agenda as part of the Spring 2025 Unified Agenda of Federal Regulatory and Deregulatory Actions. The CFPB reasonably anticipates having the regulatory matters identified below under consideration during the period from June 2025 to May 2026. The next agenda will be published in Fall 2025 and will update this agenda through Fall 2026. Publication of this agenda is in accordance with the Regulatory Flexibility Act (5 U.S.C. 601 et seq.).","document_number":"2025-18317","html_url":"https://www.federalregister.gov/documents/2025/09/22/2025-18317/semiannual-regulatory-agenda","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-09-22/pdf/2025-18317.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-18317.pdf?1758285917","publication_date":"2025-09-22","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":"Reporting Act (FCRA). The proposed rule would have implemented 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 CFPB has determined that legislative rulemaking is not necessary\n \n or appropriate at this time to address the subject matter of the NPRM. When and if\n \n the CFPB determines it necessary to issue a rule implementing the relevant definitions and provisions of the FCRA, it will propose"},{"title":"Agency Information Collection Activities; Submission for OMB Review; Comment Request","type":"Notice","abstract":"The Federal Trade Commission (\"FTC\" or \"Commission\") requests that the Office of Management and Budget (\"OMB\") extend for an additional three years the current Paperwork Reduction Act (\"PRA\") clearance for the information collection requirements in the regulations governing \"Duties of Furnishers of Information to Consumer Reporting Agencies\" (\"Information Furnishers Rule\"), which applies to certain motor vehicle dealers, and its shared enforcement with the Consumer Financial Protection Bureau (\"CFPB\") of the furnisher provisions (subpart E) of the CFPB's Regulation V regarding other entities. That clearance expires on September 30, 2025.","document_number":"2025-17284","html_url":"https://www.federalregister.gov/documents/2025/09/09/2025-17284/agency-information-collection-activities-submission-for-omb-review-comment-request","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-09-09/pdf/2025-17284.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-17284.pdf?1757335513","publication_date":"2025-09-09","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":"that a furnisher notify consumers by mail or other means (if authorized by the consumer) within five business days after making a determination that a dispute is frivolous or irrelevant (“F/I dispute”).\n \n \n \n 4 \n 16 CFR 660.3.\n \n \n \n \n 5 \n 12 CFR 1022.42.\n \n \n \n \n 6 \n The rule also provides that an entity is not a furnisher when it: provides information to a CRA solely to obtain a consumer report for a permissible purpose under the FCRA; is acting as a CRA as defined in section 603(f) of the FCRA; is an individual consumer to whom the furnished"},{"title":"Agency Information Collection Activities; Proposed Collection; Comment Request; Extension","type":"Notice","abstract":"The FTC requests that the Office of Management and Budget (OMB) extend for three years the current Paperwork Reduction Act (PRA) clearance for information collection requirements contained in the agency's shared enforcement with the Consumer Financial Protection Bureau (CFPB) of the CFPB's rule on Duties of Consumer Reporting Agencies Regarding Disclosures to Consumers (Rule). That clearance expires on April 30, 2025.","document_number":"2025-07400","html_url":"https://www.federalregister.gov/documents/2025/04/30/2025-07400/agency-information-collection-activities-proposed-collection-comment-request-extension","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-04-30/pdf/2025-07400.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-07400.pdf?1745930709","publication_date":"2025-04-30","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":"Subpart N requires nationwide consumer reporting agencies and nationwide consumer specialty reporting agencies to provide to consumers, upon request, one free file disclosure within any 12-month period. Generally, it requires the nationwide consumer reporting agencies, as defined in Section 603(p) of the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681a(p), to create and operate a centralized source that provides consumers with the ability to request their free annual file disclosures from each of the nationwide consumer reporting agencies through"},{"title":"Prohibited Terms and Conditions in Agreements for Consumer Financial Products or Services (Regulation AA)","type":"Proposed Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) is proposing to prohibit certain contractual provisions in agreements for consumer financial products or services. The proposal would prohibit covered persons from including in their contracts any provisions purporting to waive substantive consumer legal rights and protections (or their remedies) granted by State or Federal law. The proposal would also prohibit contract terms that limit free expression, including with threats of account closure, fines, or breach of contract claims, as well as other contract terms. The proposal would also codify certain longstanding prohibitions under the Federal Trade Commission's (FTC) Credit Practices Rule.","document_number":"2025-00633","html_url":"https://www.federalregister.gov/documents/2025/01/14/2025-00633/prohibited-terms-and-conditions-in-agreements-for-consumer-financial-products-or-services-regulation","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-01-14/pdf/2025-00633.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-00633.pdf?1736775933","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":"with a consumer for a consumer financial product or service, or the offering of a consumer financial product or service.” \n 63 \n \n Section 1031(b) of the Act further provides that “[r]ules under this section may include requirements for the purpose of preventing such acts or practices.” \n 64 \n \n The CFPB may declare an act or practice to be unfair if it “causes or is likely to cause substantial injury to consumers which is not reasonably avoidable by consumers; and such substantial injury is not outweighed by countervailing benefits to consumers or"},{"title":"Interpretive Rules, Policy Statements, and Advisory Opinions; Withdrawal","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB or Bureau) is withdrawing many guidance documents issued since the CFPB assumed its functions in 2011.","document_number":"2025-08286","html_url":"https://www.federalregister.gov/documents/2025/05/12/2025-08286/interpretive-rules-policy-statements-and-advisory-opinions-withdrawal","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-05-12/pdf/2025-08286.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-08286.pdf?1746794725","publication_date":"2025-05-12","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":"advisory opinion relating to consumer requests for account information suggests that “requiring a consumer to pay a fee” for such a request “is likely to unreasonably impede consumers' ability to exercise the right granted by section 1034(c) [of the Consumer Financial Protection Act], and thus to violate the provision.” \n Consumer Information Requests to Large Banks and Credit Unions, \n 88 FR 71279 (Oct. 16, 2023). Yet section 1034(c) is silent as to fees and merely requires large banks and credit unions to “comply with a consumer request for information”"},{"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":"furnisher notify consumers by mail or other means (if authorized by the consumer) within five business days after making a determination that a dispute is frivolous or irrelevant (“F/I dispute”).\n \n \n \n 4 \n 16 CFR 660.3.\n \n \n \n \n 5 \n 12 CFR 1022.42.\n \n \n \n \n 6 \n The rules also provide that an entity is not a furnisher when it: (1) provides information to a CRA solely to obtain a consumer report for a permissible purpose under the FCRA; (2) is acting as a CRA as defined in section 603(f) of the FCRA; (3) is an individual consumer to whom the furnished"},{"title":"Fair Credit Reporting Act Disclosures","type":"Rule","abstract":"The Consumer Financial Protection Bureau (CFPB) is issuing this final rule amending an appendix for Regulation V, which implements the Fair Credit Reporting Act (FCRA). The CFPB is required to calculate annually the dollar amount of the maximum allowable charge for disclosures by a consumer reporting agency to a consumer pursuant to section 609 of the FCRA; this final rule establishes the maximum allowable charge for the 2024 calendar year.","document_number":"2023-25172","html_url":"https://www.federalregister.gov/documents/2023/11/15/2023-25172/fair-credit-reporting-act-disclosures","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2023-11-15/pdf/2023-25172.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2023-25172.pdf?1699969608","publication_date":"2023-11-15","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":"Regulation V, which implements the FCRA, to establish the maximum allowable charge for disclosures by a consumer reporting agency to a consumer for 2024. The maximum allowable charge will be $15.50 for 2024. \n I. Background \n \n Under section 609 of the FCRA, a consumer reporting agency must, upon a consumer's request, disclose to the consumer information in the consumer's file.\n 1 \n \n Section 612(a) of the FCRA gives consumers the right to a free file disclosure upon request once every 12 months from the nationwide consumer reporting agencies and nationwide"},{"title":"Agency Information Collection Activities: Information Collection Renewal; Submission for OMB Review; Identity Theft Red Flags and Address Discrepancies Under the Fair and Accurate Credit Transactions Act of 2003","type":"Notice","abstract":"The OCC, as part of its continuing effort to reduce paperwork and respondent burden, invites comment on a continuing information collection, as required by the Paperwork Reduction Act of 1995 (PRA). In accordance with the requirements of the PRA, the OCC may not conduct or sponsor, and the respondent is not required to respond to, an information collection unless it displays a currently valid Office of Management and Budget (OMB) control number. The OCC is soliciting comment concerning the renewal of its information collection titled, \"Identity Theft Red Flags and Address Discrepancies under the Fair and Accurate Credit Transactions Act of 2003.\" The OCC also is giving notice that it has sent the collection to OMB for review.","document_number":"2025-12628","html_url":"https://www.federalregister.gov/documents/2025/07/08/2025-12628/agency-information-collection-activities-information-collection-renewal-submission-for-omb-review","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-07-08/pdf/2025-12628.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-12628.pdf?1751892311","publication_date":"2025-07-08","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"}],"excerpts":"4 \n \n also amended section 605 of FCRA to require the Bureau of Consumer Financial Protection (CFPB), in consultation with the Agencies, to issue regulations providing guidance regarding what reasonable policies and procedures a user of consumer reports must have in place and employ when a user receives a notice of address discrepancy from a consumer reporting agency (CRA). These regulations are required to describe reasonable policies and procedures for users of consumer reports to:\n \n \n \n 4 \n 15 U.S.C. 1681c(h)(2).\n \n \n • Enable a user to form"},{"title":"Agency Information Collection Activities: Information Collection Renewal; Comment Request; Identity Theft Red Flags and Address Discrepancies Under the Fair and Accurate Credit Transactions Act of 2003","type":"Notice","abstract":"The OCC, as part of its continuing effort to reduce paperwork and respondent burden, invites comment on a continuing information collection, as required by the Paperwork Reduction Act of 1995 (PRA). In accordance with the requirements of the PRA, the OCC may not conduct or sponsor, and respondents are not required to respond to, an information collection unless it displays a currently valid Office of Management and Budget (OMB) control number. The OCC is soliciting comment concerning the renewal of its information collection titled, \"Identity Theft Red Flags and Address Discrepancies under the Fair and Accurate Credit Transactions Act of 2003.\"","document_number":"2025-07642","html_url":"https://www.federalregister.gov/documents/2025/05/02/2025-07642/agency-information-collection-activities-information-collection-renewal-comment-request-identity","pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-05-02/pdf/2025-07642.pdf","public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-07642.pdf?1746103513","publication_date":"2025-05-02","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"}],"excerpts":"4 \n \n also amended section 605 of FCRA to require the Bureau of Consumer Financial Protection (CFPB), in consultation with the Agencies, to issue regulations providing guidance regarding what reasonable policies and procedures a user of consumer reports must have in place and employ when a user receives a notice of address discrepancy from a consumer reporting agency (CRA). These regulations are required to describe reasonable policies and procedures for users of consumer reports to:\n \n \n \n 4 \n 15 U.S.C. 1681c(h)(2).\n \n \n • Enable a user to form"}]}