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Fair Credit Reporting: Appendix I to Part 1022—Summary of Consumer Identity Theft 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. A summary should accurately reflect changes to those items that may change over time (such as telephone numbers) 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.

Fair Credit Reporting: 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.

Fair Credit Reporting: Appendix N to Part 1022—Notice of User Responsibilities

The prescribed form for this disclosure is a separate document that is substantially similar to the Bureau’s notice with all information clearly and prominently displayed. Consumer reporting agencies may limit the disclosure to only those items that they know are relevant to the user that will receive the notice.

[Editor’s note: This form is reproduced in Appx. C.7, infra.]

Fair Credit Reporting: Authority and Source

AUTHORITY: 12 U.S.C. § 5514(a)(1)(B); 12 U.S.C. § 5514(a)(2); 12 U.S.C. § 5512(b)(1); 12 U.S.C. § 5514(b)(7)(A).

SOURCE: 76 Fed. Reg. 44,242 (July 22, 2011); 77 Fed. Reg. 42,898 (July 20, 2012), unless otherwise noted.

Fair Credit Reporting: 12 C.F.R. § 1090.100 Scope and purpose.

This part defines those nonbank covered persons that qualify as larger participants of certain markets for consumer financial products or services pursuant to 12 U.S.C. 5514(a)(1)(B) and (a)(2). A larger participant of a market covered by this part is subject to the supervisory authority of the Bureau under 12 U.S.C. 5514. This part also establishes rules to facilitate the Bureau’s supervision of such larger participants pursuant to 12 U.S.C. 5514(b)(7).

Fair Credit Reporting: 12 C.F.R. § 1090.101 Definitions.

For the purposes of this part, the following definitions apply:

Affiliated company means any company (other than an insured depository institution or insured credit union) that controls, is controlled by, or is under common control with, a person.

(1) For purposes of this definition “company” means any corporation, limited liability company, business trust, general or limited partnership, proprietorship, cooperative, association, or similar organization.

Fair Credit Reporting: 16 C.F.R. § 604.1 Severability.

All parts and subparts of this subchapter are separate and severable from one another. If any part or subpart is stayed or determined to be invalid, the Commission intends that the remaining parts and subparts shall continue in effect.

[69 Fed. Reg. 29,063 (May 20, 2004); 69 Fed. Reg. 35, 496 (June 24, 2004); 84 Fed. Reg. 31,191 (July 1, 2019)]

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Fair Credit Reporting: 16 C.F.R. § 681.2 Duties of card issuers regarding changes of address.

(a) Scope. This section applies to a person described in § 681.1(a) that issues a debit or credit card (card issuer).

(b) Definitions. For purposes of this section:

(1) Cardholder means a consumer who has been issued a credit or debit card.

(2) Clear and conspicuous means reasonably understandable and designed to call attention to the nature and significance of the information presented.

Fair Credit Reporting: 16 C.F.R. § 682.2 Purpose and scope.

(a) Purpose. This part (“rule”) implements section 216 of the Fair and Accurate Credit Transactions Act of 2003, which is designed to reduce the risk of consumer fraud and related harms, including identity theft, created by improper disposal of consumer information.

(b) Scope. This rule applies to any person over which the Federal Trade Commission has jurisdiction, that, for a business purpose, maintains or otherwise possesses consumer information.

Fair Credit Reporting: 16 C.F.R. § 682.4 Relation to other laws.

Nothing in the rule in this part shall be construed:

(a) To require a person to maintain or destroy any record pertaining to a consumer that is not imposed under other law; or

(b) To alter or affect any requirement imposed under any other provision of law to maintain or destroy such a record.

[69 Fed. Reg. 35,496 (June 24, 2004); 69 Fed. Reg. 68,697 (Nov. 24, 2004); 84 Fed. Reg. 31,191 (July 1, 2019)]