source:
  type: regulation
  id: reg-v-1022.123
  authority: 12 CFR Part 1022 — Regulation V (Fair Credit Reporting Act, CFPB) § 1022.123 — Appropriate proof of
    identity
  description: '12 CFR Part 1022 — Regulation V (Fair Credit Reporting Act, CFPB), §1022.123 Appropriate proof of
    identity. Captured section-complete (all subsections verbatim).

    '
obligations:
- id: reg-v-1022.123-a
  canonical_id: reg-v-1022.123-a
  section: 12 CFR §1022.123(a)
  description: 'Appropriate proof of identity — (a): (a) Consumer reporting agencies shall develop and implement
    reasonable requirements for what information consumers shall provide to constitute proof of identity for purposes
    of sections 605A, 605B, and 609(a)(1) of the FCRA. In developing these requirements, the consumer reporting
    agencies must: (1)…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 12 CFR Part 1022 — Regulation V (Fair Credit Reporting Act, CFPB) § 1022.123
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1022
    snapshot_id: e44b9e817eb33441
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:d460b5b854cab61004b7729ab03f56e05c67f5f2b3e822a2eac3180d4d44ce91
    paragraph_quote: '(a) Consumer reporting agencies shall develop and implement reasonable requirements for what
      information consumers shall provide to constitute proof of identity for purposes of sections 605A, 605B, and
      609(a)(1) of the FCRA. In developing these requirements, the consumer reporting agencies must: (1) Ensure
      that the information is sufficient to enable the consumer reporting agency to match consumers with their files;
      and (2) Adjust the information to be commensurate with an identifiable risk of harm arising from misidentifying
      the consumer.'
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1022.123 subsection (a) from snapshot e44b9e817eb33441;
      substring-verified.
  judgment: false
- id: reg-v-1022.123-b
  canonical_id: reg-v-1022.123-b
  section: 12 CFR §1022.123(b)
  description: 'Appropriate proof of identity — (b): (b) Examples of information that might constitute reasonable
    information requirements for proof of identity are provided for illustrative purposes only, as follows: (1)
    Consumer file match. The identification information of the consumer including his or her full name (first, middle
    initial, last, su…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 12 CFR Part 1022 — Regulation V (Fair Credit Reporting Act, CFPB) § 1022.123
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1022
    snapshot_id: e44b9e817eb33441
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:d460b5b854cab61004b7729ab03f56e05c67f5f2b3e822a2eac3180d4d44ce91
    paragraph_quote: '(b) Examples of information that might constitute reasonable information requirements for
      proof of identity are provided for illustrative purposes only, as follows: (1) Consumer file match. The identification
      information of the consumer including his or her full name (first, middle initial, last, suffix), any other
      or previously used names, current and/or recent full address (street number and name, apt. no., city, state,
      and zip code), full nine digits of Social Security number, and/or date of birth. (2) Additional proof of identity.
      Copies of government issued identification documents, utility bills, and/or other methods of authentication
      of a person''s identity which may include, but would not be limited to, answering questions to which only
      the consumer might be expected to know the answer.'
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1022.123 subsection (b) from snapshot e44b9e817eb33441;
      substring-verified.
  judgment: false
