12 C.F.R. Part 1022
Regulation V — Fair Credit Reporting (implementing rule)
In plain English
Regulation V is the rulebook that implements the Fair Credit Reporting Act. It is where the operational duties behind the statute — what furnishers must do, what notices look like, how disputes are handled — actually live.
Relevant provisions
- Part 1022, Subpart E — duties of furnishers of information
- Part 1022, Subpart I — duties of users regarding address discrepancies
- Part 1022, Appendix — model notices and forms
Applicability and limits
Applies to consumer reporting agencies, furnishers, and users of consumer reports as defined in the regulation. It implements FCRA accuracy and dispute duties; it does not create a general right to delete accurate data.
Statute and rule must be read together: § 1681i states the duty; Regulation V states how it is carried out.
Official source
- 12 C.F.R. Part 1022 ↗Primary authorityhttps://www.ecfr.gov/current/title-12/chapter-X/part-1022
Verification: Official eCFR URL confirmed reachable on 2026-11-10 (CFPB explanatory page also reachable).
Related authorities
- Reinvestigation of disputed consumer-report information — 15 U.S.C. § 1681i
- Responsibilities of furnishers of information — 15 U.S.C. § 1681s-2