12 C.F.R. § 1022.42
Reasonable policies and procedures concerning the accuracy and integrity of furnished information
(a) Policies and procedures. Each furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the nature, size, complexity, and scope of each furnisher's activities.
(b) Guidelines. Each furnisher must consider the guidelines in appendix E of this part in developing its policies and procedures required by this section, and incorporate those guidelines that are appropriate.
(c) Reviewing and updating policies and procedures. Each furnisher must review its policies and procedures required by this section periodically and update them as necessary to ensure their continued effectiveness.
Notes of Decisions
Cited in 13
cases (9 in the last 5 years), 2015–2025 · leading case: Marshall Gross v. Citimortgage, Inc., 33 F.4th 1246 (9th Cir. 2022).
Marshall Gross v. Citimortgage, Inc., 33 F.4th 1246 (9th Cir. 2022). “12 C.F.R. § 1022.42 (a). The reasonableness of a furnisher’s policies depends on the “nature, size, complexity, and scope of each furnisher’s activities.”
Jett v. Am. Home Mortg. Servicing, Inc., 614 F. App'x 711 (5th Cir. 2015). “Nothing in 12 C.F.R. § 1022.42 alters our understanding of § 1681s — 2(b)(1)(C)—(E).”
Hyde v. Franklin Am. Mortg. Co. (D.S.D. 2020). “It is not clear, however, if a furnisher’s failure to comply with 12 C.F.R. § 1022.42 creates a private right of action separate from the FCRA.”
Taylor v. IC Sys. Inc. (D. Ariz. 2022). “10 48 12 C.F.R. § 1022.42 , (2012). 49 12 C.F.R.”
Prosser v. Capital One Bank (usa), N.A. (S.D. Ind. 2021). “" 12 C.F.R 1022.42(a). He contends the Capital One Defendants violated their "duty of maintaining accuracy and integrity of information" regarding the high balance on his High Balance Account pursuant to Section 1022.”
Bureau of Consum. Fin. Prot. v. Fair Collections & Outsourcing, Inc. (D. Maryland 2020). “The CFPB’s Complaint asserts causes of action under the Credit Furnishers Rule, 12 C.F.R. §1022.42 (Count I), the Fair Credit Reporting Act, 15 U.”
Bureau of Consum. Fin. Prot. v. Fair Collections & Outsourcing, Inc. (D. Maryland 2021). “The CFPB’s Complaint asserts causes of action under the Credit Furnishers Rule, 12 C.F.R. § 1022.42 (Count I), the Fair Credit Reporting Act, 15 U.”
Sessa v. Linear Motors, LLC (S.D.N.Y. 2021). “§ 1681s-2(a)(1)(A); see also 12 C.F.R. § 1022.42 (a) (regulations requiring furnishers to “establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information” furnished to CRAs).”
Consum. Fin. Prot. Bureau v. Navient Corp. (M.D. Penn. 2021). “§ 1692e (Counts IX-X), and Regulation V of the Fair Credit Reporting Act, 12 C.F.R. §1022.42 (Count XI). (Doc. 1). On March 24, 2017, Navient filed a Motion to Dismiss or, in the alternative, for a More Definite Statement (Doc.”
Consum. Fin. Prot. Bureau v. Navient Corp. (M.D. Penn. 2021). “§ 1692e (Counts IX-X), and Regulation V of the Fair Credit Reporting Act, 12 C.F.R. §1022.42 (Count XI). (Doc. 1). On June 29, 2020, the Supreme Court issued a decision in Seila Law LLC v.”
Consum. Fin. Prot. Bureau v. Snap Fin. (D. Utah 2024). “, and its implementing regulation, Regulation V, pursuant to 12 C.F.R. §§ 1022.42 (a), 1022.42(b), for failing to establish and implement certain mandated policies regarding the accuracy of consumer information furnished to consumer reporting agencies and for failing to consider…”
Livesay v. Nat'l Credit Sys. Inc (N.D. Ind. 2025). “42 (a) (“Each furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the…”
— 12 C.F.R. § 1022.42(a) — 1 case
Prosser v. Capital One Bank (usa), N.A. (S.D. Ind. 2021). “" 12 C.F.R 1022.42(a). He contends the Capital One Defendants violated their "duty of maintaining accuracy and integrity of information" regarding the high balance on his High Balance Account pursuant to Section 1022.”
Annotations are extracted automatically from the opinions in the
Syfert caselaw corpus and ranked by authority, recency, and
treatment. Dots show Syfertize treatment of the citing case itself.