Centralized source for requesting annual file disclosures from nationwide consumer reporting agencies.

CFR · 2024-01-01 · US · Title 12

(a) (b) (1) Enable consumers to request annual file disclosures by any of the following request methods, at the consumers' option: (i) A single, dedicated Web site, (ii) A single, dedicated toll-free telephone number; and (iii) Mail directed to a single address; (2) Be designed, funded, implemented, maintained, and operated in a manner that: (i) Has adequate capacity to accept requests from the reasonably anticipated volume of consumers contacting the centralized source through each request method, as determined in accordance with Paragraph (c) of this section; (ii) Collects only as much personally identifiable information as is reasonably necessary to properly identify the consumer as required under the FCRA, section 610(a)(1), 15 U.S.C. 1681h(a)(1), and other applicable laws and regulations, and to process the transaction(s) requested by the consumer; (iii) Provides information through the centralized source Web site and telephone number regarding how to make a request by all request methods required under paragraph (b)(1) of this section; and (iv) Provides clear and easily understandable information and instructions to consumers, including, but not necessarily limited to: (A) Providing information on the progress of the consumer's request while the consumer is engaged in the process of requesting a file disclosure; (B) For a Web site request method, providing access to a “help” or “frequently asked questions” screen, which includes specific information that consumers might

official document · source cfr-2024 · id 12:§ 1022.136