---
kind: "section"
citation: "7 C.F.R. § 3.12"
title: "7"
number: "3.12"
heading: "Reporting of debts to Credit Reporting Agencies."
url: "https://uscodex.org/cfr/7/3.12"
---

# §3.12. Reporting of debts to Credit Reporting Agencies.

- (a) In demand letters to debtors sent in accordance with [§ 3.11](/cfr/7/3.11.md), agencies will inform debtors:
  - (1) The intent of the agency to report the delinquent debt to credit reporting agencies after 60 days;
  - (2) The specific information to be transmitted (that is, name, address, and taxpayer identification number, information about the debt);
  - (3) The actions which may be taken by the debtor to prevent the reporting (that is, repayment in full or a repayment agreement); and
  - (4) The rights of the debtor to request review of the existence of the debt in accordance with subpart F of this part.
- (b) Disclosure of delinquent consumer debts must be consistent with the requirements of [31 U.S.C. 3711(e)](/usc/31/3711.md?p=e), the Privacy Act of 1974 ([5 U.S.C. 552a](/usc/5/552a.md)), the Bankruptcy Code, and [31 CFR 901.4](/cfr/31/901.4.md).
- (c) When an agency has given a debtor any of the notices required by this part and an opportunity for administrative review under subpart F of this part, the agency need not duplicate such notice and review opportunities before reporting the delinquent debt to credit reporting agencies.
- (d) Agencies will not disclose a delinquent debt to a credit reporting agency if a debtor requests review under subpart F of this part until a final determination is made by a reviewing official that upholds the agency intent to disclose.

## Notes

### Authority

Authority: 5 U.S.C. 301; 7 U.S.C. 1506, 1981, 1981a, 1981d, and 2008h; 15 U.S.C. 714b; 31 U.S.C. 3701, 3711, 3716-18, and 3720B; and 31 CFR parts 285 and 901-904.

### Source

Source: 85 FR 36672, June 17, 2020, unless otherwise noted.