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CFPB RIN: 3170-AA54 Publication ID: Spring 2023 
Title: Fair Credit Reporting Act Rulemaking  

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.    

Agency: Consumer Financial Protection Bureau(CFPB)  Priority: Substantive, Nonsignificant 
RIN Status: Previously published in the Unified Agenda Agenda Stage of Rulemaking: Prerule Stage 
Major: Undetermined  Unfunded Mandates: Undetermined 
CFR Citation: 12 CFR 1022   
Legal Authority: 15 U.S.C. 1681, et seq.   
Legal Deadline:  None
Action Date FR Cite
Pre-rule Activity  11/00/2023 
Regulatory Flexibility Analysis Required: Undetermined  Government Levels Affected: Undetermined 
Federalism: No 
Included in the Regulatory Plan: No 
RIN Data Printed in the FR: No 
Related RINs: Related to 3170-AA82 
Agency Contact:
Laura Stack
Office of Regulations
Consumer Financial Protection Bureau
Washington, DC 20552
Phone:202 435-7700