source:
  type: regulation
  id: reg-b-1002.10
  authority: 12 CFR §1002.10 — Furnishing of credit information (Regulation B)
  description: 12 CFR §1002.10 — Furnishing of credit information.
  coverage_tier: operative
obligations:
- id: reg-b-1002.10-full
  canonical_id: reg-b-1002.10-full
  section: 12 CFR §1002.10 — Furnishing of credit information
  type: do
  tags:
  - regulator-direct
  - ecoa
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: 12 CFR §1002.10 — Furnishing of credit information
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1002.10
    snapshot_id: 4af662c0a6ec7300
    fetched_at: '2026-06-17T17:54:38Z'
    content_hash: sha256:841e572b41a607e9b0b195c374f3343ec7cbb3ca040ab4b16c87c60b3647cef7
    paragraph_quote: '§ 1002.10 Furnishing of credit information. (a) Designation
      of accounts. A creditor that furnishes credit information shall designate: (1)
      Any new account to reflect the participation of both spouses if the applicant
      ''s spouse is permitted to use or is contractually liable on the account (other
      than as a guarantor, surety, endorser, or similar party); and (2) Any existing
      account to reflect such participation, within 90 days after receiving a written
      request to do so from one of the spouses. (b) Routine reports to consumer reporting
      agency. If a creditor furnishes credit information to a consumer reporting agency
      concerning an account designated to reflect the participation of both spouses,
      the creditor shall furnish the information in a manner that will enable the
      agency to provide access to the information in the name of each spouse. (c)
      Reporting in response to inquiry. If a creditor furnishes credit information
      in response to an inquiry, concerning an account designated to reflect the participation
      of both spouses, the creditor shall furnish the information in the name of the
      spouse about whom the information is requested.'
  judgment: false
