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    <RIN_INFO>
        <RIN>3170-AA54</RIN>
        <PUBLICATION>
            <PUBLICATION_ID>202304</PUBLICATION_ID>
            <PUBLICATION_TITLE>Unified Agenda of Federal Regulatory and Deregulatory Actions</PUBLICATION_TITLE>
        </PUBLICATION>
        <AGENCY>
            <CODE>3170</CODE>
            <NAME>Consumer Financial Protection Bureau</NAME>
            <ACRONYM>CFPB</ACRONYM>
        </AGENCY>
        <RULE_TITLE>Fair Credit Reporting Act Rulemaking </RULE_TITLE>
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<p><span class="TextRun SCXW257433915 BCX8" lang="EN-US" xml:lang="EN-US" data-contrast="auto"><span class="NormalTextRun SCXW257433915 BCX8" data-ccp-parastyle="GPOHtml" data-ccp-parastyle-defn="{&quot;ObjectId&quot;:&quot;bdc14c05-421d-458f-90f0-76dd1552b961|29&quot;,&quot;ClassId&quot;:1073872969,&quot;Properties&quot;:[469775450,&quot;GPOHtml&quot;,201340122,&quot;2&quot;,134233614,&quot;true&quot;,469778129,&quot;GPOHtml&quot;,335572020,&quot;1&quot;,469777841,&quot;Arial&quot;,469777842,&quot;Times New Roman&quot;,469777843,&quot;SimSun&quot;,469777844,&quot;Arial&quot;,469769226,&quot;Arial,Times New Roman,SimSun&quot;,268442635,&quot;20&quot;,335559705,&quot;2052&quot;,335559740,&quot;480&quot;,201341983,&quot;0&quot;,134233118,&quot;true&quot;,469778324,&quot;GPONormal&quot;]}">Congress enacted the Fair Credit Reporting Act (FCRA) to ensure fair and accurate credit reporting, promote efficiency in the banking system, and protect consumer privacy. The law and its implementing regulations (Regulation V) impose legal duties on consumer reporting agencies, users of consumer reports,  and furnishers of information to consumer reporting agencies. The CFPB is considering whether to amend Regulation V.    </span></span></p>
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        <PRIORITY_CATEGORY>Substantive, Nonsignificant</PRIORITY_CATEGORY>
        <RIN_STATUS>Previously Published in The Unified Agenda</RIN_STATUS>
        <RULE_STAGE>Prerule Stage</RULE_STAGE>
        <MAJOR>Undetermined</MAJOR>
        <UNFUNDED_MANDATE_LIST>
            <UNFUNDED_MANDATE>Undetermined</UNFUNDED_MANDATE>
        </UNFUNDED_MANDATE_LIST>
        <CFR_LIST>
            <CFR>12 CFR 1022</CFR>
        </CFR_LIST>
        <LEGAL_AUTHORITY_LIST>
            <LEGAL_AUTHORITY>15 U.S.C. 1681, et seq.</LEGAL_AUTHORITY>
        </LEGAL_AUTHORITY_LIST>
        <LEGAL_DLINE_LIST/>
        <RPLAN_ENTRY>No</RPLAN_ENTRY>
        <TIMETABLE_LIST>
            <TIMETABLE>
                <TTBL_ACTION>Pre-rule Activity</TTBL_ACTION>
                <TTBL_DATE>11/00/2023</TTBL_DATE>
            </TIMETABLE>
        </TIMETABLE_LIST>
        <RFA_REQUIRED>Undetermined</RFA_REQUIRED>
        <GOVT_LEVEL_LIST>
            <GOVT_LEVEL>Undetermined</GOVT_LEVEL>
        </GOVT_LEVEL_LIST>
        <FEDERALISM>No</FEDERALISM>
        <PRINT_PAPER>No</PRINT_PAPER>
        <INTERNATIONAL_INTEREST>No</INTERNATIONAL_INTEREST>
        <RELATED_RIN_LIST>
            <RELATED_RIN>
                <RIN>3170-AA82</RIN>
                <RIN_RELATION>Related to</RIN_RELATION>
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        <AGENCY_CONTACT_LIST>
            <CONTACT>
                <FIRST_NAME>Laura</FIRST_NAME>
                <LAST_NAME>Stack</LAST_NAME>
                <TITLE>Office of Regulations</TITLE>
                <AGENCY>
                    <CODE>3170</CODE>
                    <NAME>Consumer Financial Protection Bureau</NAME>
                    <ACRONYM>CFPB</ACRONYM>
                </AGENCY>
                <PHONE>202 435-7700</PHONE>
                <MAILING_ADDRESS>
                    <STREET_ADDRESS>1700 G Street NW,</STREET_ADDRESS>
                    <CITY>Washington</CITY>
                    <STATE>DC</STATE>
                    <ZIP>20552</ZIP>
                </MAILING_ADDRESS>
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