---
kind: "section"
citation: "12 C.F.R. § 1022.123"
title: "12"
number: "1022.123"
heading: "Appropriate proof of identity."
url: "https://uscodex.org/cfr/12/1022.123"
---

# §1022.123. Appropriate proof of identity.

- (a) Consumer reporting agencies shall develop and implement reasonable requirements for what information consumers shall provide to constitute proof of identity for purposes of sections [605A](/cfr/12/605A.md), [605B](/cfr/12/605B.md), and [609(a)(1)](/cfr/12/609.md?p=a-1) of the FCRA. In developing these requirements, the consumer reporting agencies must:
  - (1) Ensure that the information is sufficient to enable the consumer reporting agency to match consumers with their files; and
  - (2) Adjust the information to be commensurate with an identifiable risk of harm arising from misidentifying the consumer.
- (b) Examples of information that might constitute reasonable information requirements for proof of identity are provided for illustrative purposes only, as follows:
  - (1) **Consumer file match.** The identification information of the consumer including his or her full name (first, middle initial, last, suffix), any other or previously used names, current and/or recent full address (street number and name, apt. no., city, state, and zip code), full nine digits of Social Security number, and/or date of birth.
  - (2) **Additional proof of identity.** Copies of government issued identification documents, utility bills, and/or other methods of authentication of a person's identity which may include, but would not be limited to, answering questions to which only the consumer might be expected to know the answer.

## Notes

### Authority

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

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