{"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.","action":"Proposed rule; request for public comment.","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"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2024/06/18/2024-13208.html","cfr_references":[{"chapter":null,"citation_url":null,"part":1022,"title":12}],"citation":"89 FR 51682","comment_url":null,"comments_close_on":"2024-08-12","correction_of":null,"corrections":[],"dates":"Comments must be received on or before August 12, 2024.","disposition_notes":null,"docket_ids":["Docket No. CFPB-2024-0023"],"dockets":[{"supporting_documents":[],"agency_name":"CFPB","documents":[{"comment_count":74406,"comment_start_date":"2024-06-18","updated_at":"2024-10-09T01:01:08.444-04:00","comment_url":"https://www.regulations.gov/commenton/CFPB-2024-0023-0001","allow_late_comments":false,"id":"CFPB-2024-0023-0001","comment_end_date":"2024-08-13","regulations_dot_gov_open_for_comment":false}],"supporting_documents_count":0,"id":"CFPB-2024-0023","title":"Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V)"}],"document_number":"2024-13208","effective_on":null,"end_page":51736,"executive_order_notes":null,"executive_order_number":null,"explanation":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2024/06/18/2024-13208.xml","html_url":"https://www.federalregister.gov/documents/2024/06/18/2024-13208/prohibition-on-creditors-and-consumer-reporting-agencies-concerning-medical-information-regulation-v","images":{"EP18JN24.000":{"large":"https://img.federalregister.gov/EP18JN24.000/EP18JN24.000_large.png","medium":"https://img.federalregister.gov/EP18JN24.000/EP18JN24.000_medium.png","original_size":"https://img.federalregister.gov/EP18JN24.000/EP18JN24.000_original_size.png"}},"images_metadata":{"EP18JN24.000":{"large":{"identifier":"EP18JN24.000","content_type":"image/png","size":15149,"width":460,"sha":"3d392f7f43273f4c4deaaeb424d3ec1c","url":"https://img.federalregister.gov/EP18JN24.000/EP18JN24.000_large.png","height":289},"medium":{"identifier":"EP18JN24.000","content_type":"image/png","size":4767,"width":216,"sha":"8b0b30c22bce60a8e878294a285e006f","url":"https://img.federalregister.gov/EP18JN24.000/EP18JN24.000_medium.png","height":136},"original_size":{"identifier":"EP18JN24.000","content_type":"image/png","size":8471,"width":816,"sha":"dc74be03faf4ca4dad6aea401c41b531","url":"https://img.federalregister.gov/EP18JN24.000/EP18JN24.000_original_size.png","height":512}}},"json_url":"https://www.federalregister.gov/api/v1/documents/2024-13208?publication_date=2024-06-18","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2024-06-18/2024-13208/mods.xml","not_received_for_publication":null,"page_length":55,"page_views":{"count":4522,"last_updated":"2026-04-04 16:15:04 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2024-06-18/pdf/2024-13208.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2024-13208.pdf?1718628315","publication_date":"2024-06-18","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2024/06/18/2024-13208.txt","regulation_id_number_info":{"3170-AA54":{"issue":"202410","html_url":"https://www.federalregister.gov/regulations/3170-AA54/prohibition-on-creditors-and-consumer-reporting-agencies-concerning-medical-information-regulation-v","title":"Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V)","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=202410&RIN=3170-AA54&operation=OPERATION_EXPORT_XML","priority_category":"Other Significant"}},"regulation_id_numbers":["3170-AA54"],"regulations_dot_gov_info":{"supporting_documents":[],"regulatory_plan":{"html_url":"https://www.federalregister.gov/regulations/3170-AA54/prohibition-on-creditors-and-consumer-reporting-agencies-concerning-medical-information-regulation-v","title":"Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V)"},"comments_count":74406,"agency_id":"CFPB","comments_url":"https://www.regulations.gov/docketBrowser?rpp=50&so=DESC&sb=postedDate&po=0&dct=PS&D=CFPB-2024-0023","supporting_documents_count":0,"docket_id":"CFPB-2024-0023","document_id":"CFPB-2024-0023-0001","regulation_id_number":"3170-AA54","title":"Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V)","checked_regulationsdotgov_at":"2024-10-10T01:00:13Z"},"regulations_dot_gov_url":null,"significant":true,"signing_date":null,"start_page":51682,"subtype":null,"title":"Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V)","toc_doc":"Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V)","toc_subject":null,"topics":["Banks, banking","Banks, banking","Banks, banking","Banks, banking","Consumer protection","Credit unions","Holding companies","National banks","Privacy","Reporting and recordkeeping requirements","Savings associations"],"type":"Proposed Rule","volume":89}