source:
  type: regulation
  id: reg-v-1022.25
  authority: 12 CFR §1022.25 — Reasonable and simple methods of opting out (Regulation
    V)
  description: 12 CFR §1022.25 — Reasonable and simple methods of opting out.
  coverage_tier: operative
obligations:
- id: reg-v-1022.25-full
  canonical_id: reg-v-1022.25-full
  section: 12 CFR §1022.25 — Reasonable and simple methods of opting out
  type: do
  tags:
  - regulator-direct
  - fcra
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: 12 CFR §1022.25 — Reasonable and simple methods of opting out (Regulation
      V)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1022.25
    snapshot_id: 06dc75546af09b33
    fetched_at: '2026-06-17T19:30:42Z'
    content_hash: sha256:303d831fce6cbfc1f462773db73d170cb67cbf8a718d38beff5622464cdb9c44
    paragraph_quote: '§ 1022.25 Reasonable and simple methods of opting out. (a) In
      general. You must not use eligibility information about a consumer that you
      receive from an affiliate to make a solicitation to the consumer about your
      products or services, unless the consumer is provided a reasonable and simple
      method to opt out, as required by § 1022.21(a)(1)(ii) of this part. (b) Examples
      —(1) Reasonable and simple opt-out methods. Reasonable and simple methods for
      exercising the opt-out right include: (i) Designating a check-off box in a prominent
      position on the opt-out form; (ii) Including a reply form and a self-addressed
      envelope together with the opt-out notice; (iii) Providing an electronic means
      to opt out, such as a form that can be electronically mailed or processed at
      a Web site, if the consumer agrees to the electronic delivery of information;
      (iv) Providing a toll-free telephone number that consumers may call to opt out;
      or (v) Allowing consumers to exercise all of their opt-out rights described
      in a consolidated opt-out notice that includes the privacy opt-out under the
      Gramm-Leach-Bliley Act , 15 U.S.C. 6801 et seq., the affiliate sharing opt-out
      under the Act , and the affiliate marketing opt-out under the Act , by a single
      method, such as by calling a single toll-free telephone number. (2) Opt-out
      methods that are not reasonable and simple. Reasonable and simple methods for
      exercising an opt-out right do not include— (i) Requiring the consumer to write
      his or her own letter; (ii) Requiring the consumer to call or write to obtain
      a form for opting out, rather than including the form with the opt-out notice;
      (iii) Requiring the consumer who receives the opt-out notice in electronic form
      only, such as through posting at a Web site, to opt out solely by paper mail
      or by visiting a different Web site without providing a link to that site. (c)
      Specific opt-out means. Each consumer may be required to opt out through a specific
      means, as long as that means is reasonable and simple for that consumer . Gramm-Leach-Bliley
      Act'
  judgment: false
