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CFPB RIN: 3170-AA82 Publication ID: Spring 2019 
Title: Summaries of Rights Under the Fair Credit Reporting Act (Regulation V) 

The Bureau issued an interim final rule that adjusted certain model forms under the Fair Credit Reporting Act in light of the Economic Growth, Regulatory Relief, and Consumer Protection Act (EGRRCPA) amendments to strengthen consumers’ ability to protect themselves from identity theft. To reduce compliance costs and disruption in light of the September 21, 2018, effective date of this amendment, the rule provides various options for amending the affected disclosures to inform consumers that the EGRRCPA created a right to obtain a free "security freeze” from nationwide consumer reporting agencies and extended the length of initial "fraud alerts” that consumers may place on their files with nationwide consumer reporting agencies from 90 days to one year. The interim final rule took effect on September 21, 2018, and the Bureau sought comment on the changes and underlying disclosures.

Agency: Consumer Financial Protection Bureau(CFPB)  Priority: Other Significant 
RIN Status: Previously published in the Unified Agenda Agenda Stage of Rulemaking: Completed Actions 
Major: No  Unfunded Mandates: No 
EO 13771 Designation: Independent agency 
CFR Citation: 12 CFR 1022   
Legal Authority: 15 U.S.C. 1681g(c), (d)    15 U.S.C. 1681s(e)   
Legal Deadline:  None
Action Date FR Cite
Interim Final Rule  09/18/2018  83 FR 47027   
Interim Final Rule Comment Period End  11/19/2018 
Regulatory Flexibility Analysis Required: No  Government Levels Affected: None 
Federalism: No 
Included in the Regulatory Plan: No 
RIN Data Printed in the FR: No 
Related RINs: Merged with 3170-AA54 
Agency Contact:
Amanda Quester
Office of Regulations
Consumer Financial Protection Bureau
Washington, DC 20552
Phone:202 435-7700