Home / Agencies / CFPB / 2022-25138
Final Rule

Consumer Financial Protection Circular 2022-07: Reasonable Investigation of Consumer Reporting Disputes

Agency
CFPB
Document Number
2022-25138
Published
November 23, 2022
Effective Date
-

Abstract

The Consumer Financial Protection Bureau (Bureau or CFPB) has issued Consumer Financial Protection Circular 2022-07, titled, "Reasonable Investigation of Consumer Reporting Disputes." In this circular, the Bureau responds to the questions, "1. Are consumer reporting agencies and the entities that furnish information to them (furnishers) permitted under the Fair Credit Reporting Act (FCRA) to impose obstacles that deter submission of disputes? " and "2. Do consumer reporting agencies need to forward to furnishers consumer- provided documents attached to a dispute? "

Federal Register Source

This document is published by the Office of the Federal Register, National Archives and Records Administration. Access the full regulatory text, preamble, and docket comments below.

View Full Text on FederalRegister.gov →

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Frequently Asked Questions

What is the 2022-25138 Federal Register document?
Document 2022-25138 is a Final Rule published by the Consumer Financial Protection Bureau in the Federal Register on November 23, 2022. The Consumer Financial Protection Bureau (Bureau or CFPB) has issued Consumer Financial Protection Circular 2022-07, titled, "Reasonable Investigation of Consumer Reporting Disputes." In this circular, the Bureau responds to the questions, "1. Are consumer reporting agencies and the entities that furnish information to them (furnishers) permitted under the Fair Credit Reporting Act (FCRA) to impose obstacles that deter submission of disputes? " and "2. Do consumer reporting agencies need to forward to furnishers consumer- provided documents attached to a dispute? " View the original at https://www.federalregister.gov/documents/2022/11/23/2022-25138/consumer-financial-protection-circular-2022-07-reasonable-investigation-of-consumer-reporting.
Is document 2022-25138 an economically significant rule?
No. Document 2022-25138 is not classified as economically significant under Executive Order 12866. Economically significant rules require OIRA review and are estimated to have impacts of $100 million or more per year.

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