Data / Federal rules / 2025-22772
Fair Credit Reporting Act Disclosures
The Consumer Financial Protection Bureau published this final rule in the Federal Register on December 15, 2025. It took effect on January 1, 2026.
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What the agency says
The Consumer Financial Protection Bureau (Bureau) is issuing this final rule amending an appendix for Regulation V, which implements the Fair Credit Reporting Act (FCRA). The Bureau is required to calculate annually the dollar amount of the maximum allowable charge for disclosures by a consumer reporting agency to a consumer pursuant to section 609 of the FCRA; this final rule establishes the maximum allowable charge for the 2026 calendar year.
Key facts
- Document number
- 2025-22772
- Type
- Final rule
- Action
- Final rule; official interpretation
- Agency
- Consumer Financial Protection Bureau
- Published
- December 15, 2025
- Takes effect
- January 1, 2026
- Dates
- This final rule is effective January 1, 2026.
- Code of Federal Regulations
- 12 CFR 1022
- Topics
- Banks, banking; Consumer protection; Credit unions; Holding companies; Privacy; Reporting and recordkeeping requirements; Savings associations
- Pages
- 3
Other documents from the Consumer Financial Protection Bureau
| Document | Type | Published |
|---|---|---|
| Request for Information Regarding Promoting Access to Mortgage Credit 2026-13834 | Proposed rule | Jul 9 |
| Financial Data Transparency Act Joint Data Standards 2026-12787 · significant | Final rule | Jun 25 |
| Equal Credit Opportunity (Regulation B); Special Purpose Credit Programs; Rescission 2026-12149 | Final rule | Jun 17 |
| Small Business Lending Under the Equal Credit Opportunity Act (Regulation B) 2026-08494 · significant | Final rule | May 1 |
| Equal Credit Opportunity Act (Regulation B) 2026-07804 · significant | Final rule | Apr 22 |
| Equal Credit Opportunity Act (Regulation B) C1-2025-19864 · significant | Proposed rule | Feb 25 |
| Home Mortgage Disclosure (Regulation C) Adjustment to Asset-Size Exemption Threshold 2026-00087 | Final rule | Jan 7 |
| Truth in Lending Act (Regulation Z) Adjustment to Asset-Size Exemption Threshold 2026-00085 | Final rule | Jan 7 |
Everything from the Consumer Financial Protection Bureau · Rules on banks, banking · Rules on consumer protection · Rules on credit unions · Published in December 2025
Read from the Federal Register API, last updated 2026-10-23. The document on federalregister.gov is the official record; dates and dockets can change through later corrections. Free to reuse with credit to SpecStream under CC BY 4.0.