source:
  type: regulation
  id: reg-v-1022.26
  authority: 12 CFR §1022.26 — Delivery of opt-out notices (Regulation V)
  description: 12 CFR §1022.26 — Delivery of opt-out notices.
  coverage_tier: operative
obligations:
- id: reg-v-1022.26-full
  canonical_id: reg-v-1022.26-full
  section: 12 CFR §1022.26 — Delivery of opt-out notices
  type: do
  tags:
  - regulator-direct
  - fcra
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: 12 CFR §1022.26 — Delivery of opt-out notices (Regulation V)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1022.26
    snapshot_id: f6eaca1048173724
    fetched_at: '2026-06-17T19:30:43Z'
    content_hash: sha256:68b15ffc21ced91b6b8c90c6dce9638c58beff09057afc8751ed37ad444c5c3a
    paragraph_quote: '§ 1022.26 Delivery of opt-out notices. (a) In general. The opt-out
      notice must be provided so that each consumer can reasonably be expected to
      receive actual notice. For opt-out notices provided electronically, the notice
      may be provided in compliance with either the electronic disclosure provisions
      in this subpart or the provisions in section 101 of the Electronic Signatures
      in Global and National Commerce Act , 15 U.S.C. 7001 et seq. (b) Examples of
      reasonable expectation of actual notice. A consumer may reasonably be expected
      to receive actual notice if the affiliate providing the notice: (1) Hand-delivers
      a printed copy of the notice to the consumer ; (2) Mails a printed copy of the
      notice to the last known mailing address of the consumer ; (3) Provides a notice
      by email to a consumer who has agreed to receive electronic disclosures by email
      from the affiliate providing the notice; or (4) Posts the notice on the Web
      site at which the consumer obtained a product or service electronically and
      requires the consumer to acknowledge receipt of the notice. (c) Examples of
      no reasonable expectation of actual notice. A consumer may not reasonably be
      expected to receive actual notice if the affiliate providing the notice: (1)
      Only posts the notice on a sign in a branch or office or generally publishes
      the notice in a newspaper; (2) Sends the notice via email to a consumer who
      has not agreed to receive electronic disclosures by email from the affiliate
      providing the notice; or (3) Posts the notice on a Web site without requiring
      the consumer to acknowledge receipt of the notice. Electronic Signatures in
      Global and National Commerce Act'
  judgment: false
