{"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.","action":"Final rule; official interpretation.","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/2025/12/15/2025-22772.html","cfr_references":[{"chapter":null,"citation_url":null,"part":1022,"title":12}],"citation":"90 FR 57888","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"This final rule is effective January 1, 2026.","disposition_notes":null,"docket_ids":[],"dockets":[{"supporting_documents":[],"agency_name":"CFPB","documents":[{"comment_count":0,"comment_start_date":"2025-12-15","updated_at":"2025-12-15T10:56:08.720-05:00","comment_url":"https://www.regulations.gov/commenton/CFPB-2025-0001-0015","allow_late_comments":false,"id":"CFPB-2025-0001-0015","comment_end_date":null,"regulations_dot_gov_open_for_comment":false}],"supporting_documents_count":0,"id":"CFPB-2025-0001","title":"2025 - Notices"}],"document_number":"2025-22772","effective_on":"2026-01-01","end_page":57890,"executive_order_notes":null,"executive_order_number":null,"explanation":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2025/12/15/2025-22772.xml","html_url":"https://www.federalregister.gov/documents/2025/12/15/2025-22772/fair-credit-reporting-act-disclosures","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2025-22772?publication_date=2025-12-15","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2025-12-15/2025-22772/mods.xml","not_received_for_publication":null,"page_length":3,"page_views":{"count":2724,"last_updated":"2026-04-04 12:15:04 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-12-15/pdf/2025-22772.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-22772.pdf?1765547118","publication_date":"2025-12-15","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2025/12/15/2025-22772.txt","regulation_id_number_info":{},"regulation_id_numbers":[],"regulations_dot_gov_info":{"supporting_documents":[],"comments_count":0,"agency_id":"CFPB","comments_url":"https://www.regulations.gov/docketBrowser?rpp=50&so=DESC&sb=postedDate&po=0&dct=PS&D=CFPB-2025-0001","supporting_documents_count":0,"docket_id":"CFPB-2025-0001","document_id":"CFPB-2025-0001-0015","regulation_id_number":null,"title":"2025 - Notices","checked_regulationsdotgov_at":"2025-12-16T19:55:05Z"},"regulations_dot_gov_url":null,"significant":null,"signing_date":null,"start_page":57888,"subtype":null,"title":"Fair Credit Reporting Act Disclosures","toc_doc":"Fair Credit Reporting Act Disclosures","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":"Rule","volume":90}