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CFPB RIN: 3170-AA54 Publication ID: Spring 2025 
Title: Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V) 
Abstract:

The CFPB released a rule amending Regulation V, which implements the Fair Credit Reporting Act (FCRA), concerning medical information. The rule removes 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 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.

 
Agency: Consumer Financial Protection Bureau(CFPB)  Priority: Other Significant 
RIN Status: Previously published in the Unified Agenda Agenda Stage of Rulemaking: Completed Actions 
Major: Yes  Unfunded Mandates: No 
EO 14192 Designation: Not subject to, not significant 
CFR Citation: 12 CFR 1022   
Legal Authority: 15 U.S.C. 1681, et seq.   
Legal Deadline:  None
Timetable:
Action Date FR Cite
NPRM  06/18/2024  89 FR 51682   
NPRM Comment Period End  08/12/2024 
Final Rule  01/14/2025  90 FR 3276   
Regulatory Flexibility Analysis Required: No  Government Levels Affected: None 
Small Entities Affected: No  Federalism: No 
Included in the Regulatory Plan: No 
RIN Data Printed in the FR: No 
Agency Contact:
Lanique Eubanks
Office of Regulations
Consumer Financial Protection Bureau
1700 G Street, NW,
Washington, DC 20552
Phone:202 435-7700