§1022.38. Duty of consumer reporting agencies regarding medical debt information.
12 C.F.R. § 1022.38
Scope. This section applies to any consumer reporting agency as defined in section 603(f) of the FCRA, 15 U.S.C. 1681a(f).
Limitation regarding prohibited medical debt information. A consumer reporting agency may include medical debt information, as defined in § 1022.3(j), in a consumer report furnished to a creditor only if the consumer reporting agency:
Has reason to believe the creditor intends to use the medical debt information in a manner not prohibited by § 1022.30; and
Has reason to believe the creditor is not otherwise legally prohibited from obtaining or using the medical debt information, including by a State law that prohibits a creditor from obtaining or using medical debt information.
Notes, amendments, and revision history
Amendments
[90 FR 3373, Jan. 14, 2025]
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.
Amendments
[90 FR 3373, Jan. 14, 2025]