---
kind: "section"
citation: "12 C.F.R. § 222.28"
title: "12"
number: "222.28"
heading: "Effective date, compliance date, and prospective application."
url: "https://uscodex.org/cfr/12/222.28"
---

# §222.28. Effective date, compliance date, and prospective application.

- (a) **Effective date.** This subpart is effective January 1, 2008.
- (b) **Mandatory compliance date.** Compliance with this subpart is required not later than October 1, 2008.
- (c) **Prospective application.** The provisions of this subpart shall not prohibit you from using eligibility information that you receive from an affiliate to make solicitations to a consumer if you receive such information prior to October 1, 2008. For purposes of this section, you are deemed to receive eligibility information when such information is placed into a common database and is accessible by you.

## Notes

### Source

Source: Reg. V, 72 FR 62955, Nov. 7, 2007, unless otherwise noted.

### Authority

Authority: 15 U.S.C. 1681b, 1681c, 1681m and 1681s; Secs. 3, 214, and 216, Pub. L. 108-159, 117 Stat. 1952.

### Source

Source: Reg. V, 68 FR 74469, Dec. 24, 2003, unless otherwise noted.