Attachment B
This content is from the eCFR and is authoritative but unofficial.

Title 12 - Banks and Banking

Chapter X - Bureau of Consumer Financial Protection

Part 1022 - Fair Credit Reporting (Regulation V)

Authority: 12 U.S.C. 5512, 5581; 15 U.S.C. 1681a, 1681b, 1681c, 1681c-1, 1681c-3, 1681e, 1681g, 1681i, 1681j, 1681m, 1681s,

1681s-2, 1681s-3, and 1681t; Sec. 214, Pub. L. 108-159, 117 Stat. 1952.

Source: 76 FR 79312, Dec. 21, 2011, unless otherwise noted.

Appendix K to Part 1022 - Summary of Consumer Rights

The prescribed form for this summary is a disclosure that is substantially similar to the Bureau's model summary

with all information clearly and prominently displayed. The list of Federal regulators that is included in the Bureau's

prescribed summary may be provided separately so long as this is done in a clear and conspicuous way. A

summary should accurately reflect changes to those items that may change over time (e.g., dollar amounts, or

telephone numbers and addresses of Federal agencies) to remain in compliance. Translations of this summary will

be in compliance with the Bureau's prescribed model, provided that the translation is accurate and that it is provided

in a language used by the recipient consumer.

Appendix K to Part 1022, Title 12 (up to date as of 1/20/2023)

Summary of Consumer Rights Appendix K to Part 1022, Title 12

Appendix K to Part 1022, Title 12 (enhanced display) page 1 of 6
Appendix K to Part 1022, Title 12 (up to date as of 1/20/2023)

Summary of Consumer Rights Appendix K to Part 1022, Title 12

Appendix K to Part 1022, Title 12 (enhanced display) page 2 of 6

Para iuformacion en e.pailol, visite w·ww.conswne ma11ce. m,J/eammore o escribe a la 

Cun umer Fin(indal Protet:tion Bureau, 1700 (i Street . W., Washington, DC 2()552. 

A Summary of Your Rights Under the Fair Credit Reporting Act 

The federal Fair Credit Reporting Act {FCRA) promotes the accuracy, fairness, and 

privacy of information in the files of consumer reporting agencies_ There are many types of 

consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies 

that sell infomwtion about check writing histories. medical records, and rental history records). 

Here is a summary of your major rights under FCRA For more infonnatioo. int:ludi•11 

information about additional rights, go to www.c0Humerfinance.1ov/learnmo:tt or write 

to: Consumer Finaacial Protection Bureau, 1700G Street N.W'? WashingtOBt DC 20552. 

• \' ou mast be told ir inrormation in yo11r file has been 11sed agaie!lt yc,u. Anyone , ho 

uses a credit report or another type of consumer rcpon to deny your application for credit, 

insurance, or employment - or to take another adverse action against you - must tell you, 

and must give you the name, address, and phone number of the agency that provided che 

information. 

• \' ou ba,•e the right to k.do~· 'ft'hat is in yoar file. You may request and obtain all the 

information about you in the files of a consumer reporting agency (your ''file 

disclosure"). You will be required to provide proper identification, which may include 

your Social Security number. rn many cases, the disclosure will be free. You are entitled 

10 a free file disclosure if: 

o a person has taken adverse action against you because of information in your 

credit report; 

o you are the victim of identity theft ..-nd place a fraud alert in your me~ 

o your file contains in ace urate information as a result of fraud; 

o yo1.1 are on pubHc assistance; 

o you are unemployed but expect to apply for employment within 60 days. 

ln addition. all consumers are entitled to one f.ree disclosure every 12 months upon 

request from each nationwide credit bureau and from nationwide specialty consumer 

reporting agencies. See www.consumerfinanc;e,goy/learnmore for addjtional 

infonnation. 

• V eu have the right to ask rer a cre4it score. Credit scores are numerical summaries of 

your credit- orthiness based on infonnation from credit bureaus. You may request a 

credit SCQre from consumer reporting agencies that create scores or distribute scores used 

i:n residential real property loans. but you will have to pay for it. In some mortgage 

transactions, you will receive credit score information for free from the mortgage lender. 

• Veu ha\'e the right to dispute incomplete or inaccarate infonnation. ff you identify 

infonnation in your me that !S iru:omplete or inaccurate. and report it to the consumer 
Appendix K to Part 1022, Title 12 (up to date as of 1/20/2023)

Summary of Consumer Rights Appendix K to Part 1022, Title 12

Appendix K to Part 1022, Title 12 (enhanced display) page 3 of 6

reporting agency, the agency mu t inve tigate unJess your dispu&e is fri olous. See 

w,"•w,c-0nswnerfinance,BQv/learnmore for an explanation of dispute procedures. 

• Consumer reporting agettcies must corrert or delete inauurate, incomplete, or 

unverinable inform•tios,. Inaccurate, incomplete, or unverifiable information must be 

removed or corrected, usually within 30 days. However, a consumer reporting agency 

may continue to repon information it has verified as accurate. 

• Consumer reporting agencies may not report outd.ated negative iofonnation. ln 

most cases, a consumer reporting agency may nol report negative information that is 

more th.an seven years old, or bankruptt.::tes that are more than IO year old. 

• Access to yo•r me is limited.. A consumer reporting agenc may provide information 

about yQu only to people with a valid need - usually to consider an application with a 

creditor, insurer. employer, landlord, or other business. The FCRA specifies those with a 

valid need for access. 

• \' ou m.ust give your consent for reports to be provided to employers. A consumer 

reporting agency may not give out information about you lO your employer. or a poiential 

employer, without your written consent given to the employer. Written oonsent ge11erally 

is not required in the trucking industry. for more imfonn.ation, go to 

www.consumerfimi1rice,gov/lear:omo.re. 

• 'V ou may limit '°pns(r«Qed" off en of credit and iasu.nnce you get bastd on 

l,aformation in yo-.r credh report. Unsolicited "piescreened" offers for credit and 

insurance must include a toll-free phone number you can caU if you choose to remo e 

yOltr name and address form the lists these offers are based on. You may opt out with the 

nationwide credit bureaus at l-800- OCX-X XX. 

• The following fCRA right applies with respect to nationwide consumer reporting 

agencies~ 

CoNSUl\lIJlS HAVE THE RIGHT To OBTAIN A SECURm' FREEZE 

You have• right to pla« 111 .. Stt-uri~ fr~t" on your credil report. whkh will 

prumit a consumer reporting agency from releasing infermation in your credit 

rqort witbout your ex:press authorization. The security freez.e is designed 10 prevent 

credit, loans, and servtces from being approved in your name without your consent. 

Ho e er, you should be aware that using a security freeze to take control over who gets 

access to the personal and financial information in your credit report may delay, interfere 

with, or prohibit 1he timely approval of any subsequent request or application you make 

regarding a new loan, credit, mortgage, or any other account involving the ex.tension of 

credit 

As an altemafrve to a security freeze, you have the right to place an initi.aJ or extended 

fraud alert on your credit file al no cost. An initial fraud alert is a 1- ear alert that is 

2 
Appendix K to Part 1022, Title 12 (up to date as of 1/20/2023)

Summary of Consumer Rights Appendix K to Part 1022, Title 12

Appendix K to Part 1022, Title 12 (enhanced display) page 4 of 6

placed on a consumer's credit me. Upon seeing a fraud alen display on a consumer's 

credit me, a bus~nc is required to take steps to erify the con umer's identity before 

extending new credit. If you are a ictim of identity theft, you are entitled to an extended 

fraud alert, w'hich is a fraud alert Jasting 7 years. 

A security freeze does not apply to a person or entity, or its affiliates. or collection 

agencies acting on behalf of the person or entity, witb which you ha e an existing 

account that requests information tn your credit report for the purposes of reviewing or 

collecting th account. Reviewing the accoum includes acti ities related to account 

maintenance monhori~g, credit line increases. and account upgrades and enhancements. 

• You may seek damages from violafon.. If a consume.- reporting agency, or. in some 

cases, a user of consumer reports or a furnisher of information to a consumer reporting 

agency violate tli!e FCRA. you may be able to ue in state or federal court. 

• ldesti&y Wft victims aad acrive daty military personnel have .additional rights. For 

more information, visit WYfW c n um rfinarice 

St•lts may enfo.n:e the FCRA, and many states have d1eir own consumer reporting laws~ 

In some capes,. you may have more rights under stale law. Fo,r more inrormation; coatad 

your state or local rom:umer protection agency or your state Attorne)' Genttal. For 

information about your f~eral righttt eont•ct: 

3 
Appendix K to Part 1022, Title 12 (up to date as of 1/20/2023)

Summary of Consumer Rights Appendix K to Part 1022, Title 12

Appendix K to Part 1022, Title 12 (enhanced display) page 5 of 6

TYPE OF BUSINESS: CONTACT: 

I .a. Banks. savings associations, and crcdil uniou-s v.•itb total a. Consumer Ft1i.uv::tal Protection Bure-au 

asscis ofovcr S lO billion and lhcir affiliates 1700G Street, N.W. 

Washington, OC 20S52 

b. Such affilia1es lit.al arc 001 banks. savings associations. or b. Federal Trade C'.onunission 

credit unions also should hsl. in addihon to the Cf PB; Consumer Response CC111cr 

600 Pcnnsyh:aoia A,·cnue. N.W. 

Washington, DC 20580 

(877) 382-4~57 

2. To the cx1cn1 11()( included in item I aoo,-c: a. Office oftbc Comptroller of the Currency 

a. National banks, redt..-ral savings associations, and fcdt:raJ Ct1stomef" AMistallCC Group 

branches and federal agcodcs of fon::ign banks lJOI Md(mlllC"y Street, Suite _,4,0 

HoUSlon, TX 770 I 0-905-0 

b. State member ban.ls. br,mchcs and agencies of foreign banks b. Federal Reserve Consumer Help Center 

(ocher than fcdaal branches, federal agencies, and Insured Slate P.O. Box 1200 

Branches of Foreign Banks), COflllncrtial lcndiog companies Miunc.ipolis. MN 5S480 

o.,.."IICd or c-0ntrolled by foreign ban~ and organi1.ations 

op,emth1g under section 25 or 2SA oflhc Federal Reserve Act 

c. FDIC Consumer Response Ccn1cr 

c. Nonmember I~ Banks. lns11ccd Slate Branches of I JOO Walnlll Suect, Bo;11. #l l 

Foreign Banks, and insured stale sa\.ings associations Kansas City, MO 64106 

d. Federal CJCdil Unions d. National CrQdit Union Administration 

Office of Consumer Financial Protcc1:ion (OCFP) 

Division ofConsumcr Compliance Policy and Outreach 

171S Duke Street 

Alexandria, VA 22314 

3. Ajr carriers Asst. General Counsel for Avia1ion Enforoc:mem & Proceedings 

AviationConswner Prolcclion Division 

Depanmetll ofTransportaliCMI 

1200 New Jmcy Avenue, S.E. 

Washington, DC 20S90 

4. Creditors Subject 10 !he Surface Transportation Boord Office of Procccdi11gs, Surface Transportation Board 

Department ofTransporta1ion 

.WS E Street, S.W. 

Washington. DC 2042J 

5. Creditors Subject 10 1he Packers and Stockyards Act. 1921 Nearest Packen; and Stockyards Administntt.ion area supervisor 

6. Small Business Invcsunent Companies Associate Depity AdministraLor ror Capital Aca:ss 

United Sratcs Smrul Business Administration 

409 Third SlrCct, S. W .• Suite 8200 

Washingtoo, DC 20416 

7. Broken and Dealers Securi1ics and E:iu:hangc CommissioR 

I 00 F Street, N. E, 

Washington, DC 20S49 

8. Federal land Banks, Federal Land Bank Associ.t1ious. Fam, Crcdn Admirusrr.uioo 

Federal lntcnncdiate Cn:dil Banks.. and Produi.::tion Credit 1501 Farm Credit Ori\'C 

Assoc:ialions McLean. VA22102-S090 

9. Rcla ilers. Finance Companies, and All Other Creditors Not Fcdc-ral Trade Commission 

Listed Above Consumer Response Center 

600 Pennsylvania Avenue. N.W. 

Waibingtoo. OC 20S80 

(877) 382-4357 

4 
[

................................... 83 FR 47037, Sept. 18, 2018]

Appendix K to Part 1022, Title 12 (up to date as of 1/20/2023)

Summary of Consumer Rights Appendix K to Part 1022, Title 12

Appendix K to Part 1022, Title 12 (enhanced display) page 6 of 6