source:
  type: regulation
  id: ftc-16cfr-641.1
  authority: 16 CFR §641.1 — Duties of users of consumer reports regarding address discrepancies (FTC
    FCRA, motor-vehicle-dealer scope)
  description: '16 CFR §641.1 is the FTC implementation of the FCRA address-

    discrepancy rule (15 U.S.C. §1681c(h)(1)) for users of consumer

    reports that are motor vehicle dealers excluded from CFPB

    jurisdiction (per 12 U.S.C. §5519). The rule imposes two

    operative duties: (i) reasonable-belief — develop and implement

    reasonable policies and procedures to enable the user to form a

    reasonable belief that the consumer report relates to the consumer

    about whom the report was requested when the user receives a

    notice of address discrepancy from the CRA; and (ii) furnish-

    confirmed-address — develop and implement reasonable policies and

    procedures for furnishing a reasonably-confirmed address back to

    the CRA when three conditions are met (reasonable belief formed,

    continuing relationship, and regular ordinary-course furnishing

    relationship with the CRA).

    '
obligations:
- id: ftc-16cfr-641.1-full
  canonical_id: ftc-16cfr-641.1-full
  section: 16 CFR §641.1
  description: CHAPTER I—FEDERAL TRADE COMMISSION > SUBCHAPTER F—FAIR CREDIT REPORTING ACT > PART 641—DUTIES
    OF USERS OF CONSUMER REPORTS REGARDING ADDRESS DISCREPANCIES > § 641.1 Duties of users of consumer
    reports regarding address discrepancies." /> 16 CFR § 641.1 - Duties of users of consumer reports
    regarding…
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 16 CFR §641.1(c)(1)
    source_class: ftc-regulation
    source_url: https://www.law.cornell.edu/cfr/text/16/641.1
    snapshot_id: 3bc9d66925c9357c
    fetched_at: '2026-05-24T19:34:42Z'
    content_hash: sha256:d4359579af3cb48d83b0a7f6480bb85de8eb8d38a3761b75fb20d4b09b35d964
    paragraph_quote: CHAPTER I—FEDERAL TRADE COMMISSION > SUBCHAPTER F—FAIR CREDIT REPORTING ACT > PART
      641—DUTIES OF USERS OF CONSUMER REPORTS REGARDING ADDRESS DISCREPANCIES > § 641.1 Duties of users
      of consumer reports regarding address discrepancies." /> 16 CFR § 641.1 - Duties of users of consumer
      reports regarding address discrepancies. | Electronic Code of Federal Regulations (e-CFR) | US Law
      | LII / Legal Information Institute Please help us improve our site! &times; No thank you Skip to
      main content Cornell Law School Search Cornell Toggle navigation Please help us improve our site!
      Support Us! Search About LII Who We Are What We Do Who Pays For This Contact Us Get the law Constitution
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      Code of Federal Regulations (e-CFR) Title 16—Commercial Practices CHAPTER I—FEDERAL TRADE COMMISSION
      SUBCHAPTER F—FAIR CREDIT REPORTING ACT PART 641—DUTIES OF USERS OF CONSUMER REPORTS REGARDING ADDRESS
      DISCREPANCIES § 641.1 Duties of users of consumer reports regarding address discrepancies. 16 CFR
      § 641.1 - Duties of users of consumer reports regarding address discrepancies. CFR § 641.1 Duties
      of users of consumer reports regarding address discrepancies.
    drafter_attestation: Verbatim subsection of 16 CFR §641.1 from Cornell LII snapshot 3bc9d66925c9357c;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: ftc-16cfr-641.1-a
  canonical_id: ftc-16cfr-641.1-a
  section: 16 CFR §641.1(a)
  description: '(a): (a) Scope. This section applies to users of consumer reports that are motor vehicle
    dealers excluded from Consumer Financial Protection Bureau jurisdiction as described in 12 U.S.C.
    5519 .'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 16 CFR §641.1(c)(1)
    source_class: ftc-regulation
    source_url: https://www.law.cornell.edu/cfr/text/16/641.1
    snapshot_id: 3bc9d66925c9357c
    fetched_at: '2026-05-24T19:34:42Z'
    content_hash: sha256:d4359579af3cb48d83b0a7f6480bb85de8eb8d38a3761b75fb20d4b09b35d964
    paragraph_quote: (a) Scope. This section applies to users of consumer reports that are motor vehicle
      dealers excluded from Consumer Financial Protection Bureau jurisdiction as described in 12 U.S.C.
      5519 .
    drafter_attestation: Verbatim subsection of 16 CFR §641.1 from Cornell LII snapshot 3bc9d66925c9357c;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: ftc-16cfr-641.1-b
  canonical_id: ftc-16cfr-641.1-b
  section: 16 CFR §641.1(b)
  description: '(b): (b) Definition. For purposes of this section, a notice of address discrepancy means
    a notice sent to a user by a consumer reporting agency described in 15 U.S.C. 1681a(p) pursuant to
    15 U.S.C. 1681c(h)(1) , that informs the user of a substantial difference between the address for
    the consumer that t…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 16 CFR §641.1(c)(1)
    source_class: ftc-regulation
    source_url: https://www.law.cornell.edu/cfr/text/16/641.1
    snapshot_id: 3bc9d66925c9357c
    fetched_at: '2026-05-24T19:34:42Z'
    content_hash: sha256:d4359579af3cb48d83b0a7f6480bb85de8eb8d38a3761b75fb20d4b09b35d964
    paragraph_quote: (b) Definition. For purposes of this section, a notice of address discrepancy means
      a notice sent to a user by a consumer reporting agency described in 15 U.S.C. 1681a(p) pursuant
      to 15 U.S.C. 1681c(h)(1) , that informs the user of a substantial difference between the address
      for the consumer that the user provided to request the consumer report and the address(es) in the
      agency's file for the consumer.
    drafter_attestation: Verbatim subsection of 16 CFR §641.1 from Cornell LII snapshot 3bc9d66925c9357c;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: ftc-16cfr-641.1-c
  canonical_id: ftc-16cfr-641.1-c
  section: 16 CFR §641.1(c)
  description: '(c): (c) Reasonable belief —(1) Requirement to form a reasonable belief. A user must develop
    and implement reasonable policies and procedures designed to enable the user to form a reasonable
    belief that a consumer report relates to the consumer about whom it has requested the report, when
    the user receiv…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 16 CFR §641.1(c)(1)
    source_class: ftc-regulation
    source_url: https://www.law.cornell.edu/cfr/text/16/641.1
    snapshot_id: 3bc9d66925c9357c
    fetched_at: '2026-05-24T19:34:42Z'
    content_hash: sha256:d4359579af3cb48d83b0a7f6480bb85de8eb8d38a3761b75fb20d4b09b35d964
    paragraph_quote: (c) Reasonable belief —(1) Requirement to form a reasonable belief. A user must develop
      and implement reasonable policies and procedures designed to enable the user to form a reasonable
      belief that a consumer report relates to the consumer about whom it has requested the report, when
      the user receives a notice of address discrepancy. (2) Examples of reasonable policies and procedures.
    drafter_attestation: Verbatim subsection of 16 CFR §641.1 from Cornell LII snapshot 3bc9d66925c9357c;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: ftc-16cfr-641.1-i
  canonical_id: ftc-16cfr-641.1-i
  section: 16 CFR §641.1(i)
  description: '(i): (i) Comparing the information in the consumer report provided by the consumer reporting
    agency with information the user: (A) Obtains and uses to verify the consumer''s identity in accordance
    with the requirements of the Customer Identification Program (CIP) rules implementing 31 U.S.C. 5318(l)
    ( 31 …'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 16 CFR §641.1(c)(1)
    source_class: ftc-regulation
    source_url: https://www.law.cornell.edu/cfr/text/16/641.1
    snapshot_id: 3bc9d66925c9357c
    fetched_at: '2026-05-24T19:34:42Z'
    content_hash: sha256:d4359579af3cb48d83b0a7f6480bb85de8eb8d38a3761b75fb20d4b09b35d964
    paragraph_quote: '(i) Comparing the information in the consumer report provided by the consumer reporting
      agency with information the user: (A) Obtains and uses to verify the consumer''s identity in accordance
      with the requirements of the Customer Identification Program (CIP) rules implementing 31 U.S.C.
      5318(l) ( 31 CFR 103.121 ); (B) Maintains in its own records, such as applications, change of address
      notifications, other customer account records, or retained CIP documentation; or (C) Obtains from
      third-party sources; or (ii) Verifying the information in the consumer report provided by the consumer
      reporting agency with the consumer.'
    drafter_attestation: Verbatim subsection of 16 CFR §641.1 from Cornell LII snapshot 3bc9d66925c9357c;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: ftc-16cfr-641.1-d
  canonical_id: ftc-16cfr-641.1-d
  section: 16 CFR §641.1(d)
  description: '(d): (d) Consumer''s address —(1) Requirement to furnish consumer''s address to a consumer
    reporting agency. A user must develop and implement reasonable policies and procedures for furnishing
    an address for the consumer that the user has reasonably confirmed is accurate to the consumer reporting
    agency de…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 16 CFR §641.1(c)(1)
    source_class: ftc-regulation
    source_url: https://www.law.cornell.edu/cfr/text/16/641.1
    snapshot_id: 3bc9d66925c9357c
    fetched_at: '2026-05-24T19:34:42Z'
    content_hash: sha256:d4359579af3cb48d83b0a7f6480bb85de8eb8d38a3761b75fb20d4b09b35d964
    paragraph_quote: '(d) Consumer''s address —(1) Requirement to furnish consumer''s address to a consumer
      reporting agency. A user must develop and implement reasonable policies and procedures for furnishing
      an address for the consumer that the user has reasonably confirmed is accurate to the consumer reporting
      agency described in 15 U.S.C. 1681a(p) from whom it received the notice of address discrepancy when
      the user:'
    drafter_attestation: Verbatim subsection of 16 CFR §641.1 from Cornell LII snapshot 3bc9d66925c9357c;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: ftc-16cfr-641.1-i
  canonical_id: ftc-16cfr-641.1-i
  section: 16 CFR §641.1(i)
  description: '(i): (i) Can form a reasonable belief that the consumer report relates to the consumer
    about whom the user requested the report; (ii) Establishes a continuing relationship with the consumer;
    and (iii) Regularly and in the ordinary course of business furnishes information to the consumer reporting
    agency …'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 16 CFR §641.1(c)(1)
    source_class: ftc-regulation
    source_url: https://www.law.cornell.edu/cfr/text/16/641.1
    snapshot_id: 3bc9d66925c9357c
    fetched_at: '2026-05-24T19:34:42Z'
    content_hash: sha256:d4359579af3cb48d83b0a7f6480bb85de8eb8d38a3761b75fb20d4b09b35d964
    paragraph_quote: '(i) Can form a reasonable belief that the consumer report relates to the consumer
      about whom the user requested the report; (ii) Establishes a continuing relationship with the consumer;
      and (iii) Regularly and in the ordinary course of business furnishes information to the consumer
      reporting agency from which the notice of address discrepancy relating to the consumer was obtained.
      (2) Examples of confirmation methods. The user may reasonably confirm an address is accurate by:'
    drafter_attestation: Verbatim subsection of 16 CFR §641.1 from Cornell LII snapshot 3bc9d66925c9357c;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: ftc-16cfr-641.1-i
  canonical_id: ftc-16cfr-641.1-i
  section: 16 CFR §641.1(i)
  description: '(i): (i) Verifying the address with the consumer about whom it has requested the report;
    (ii) Reviewing its own records to verify the address of the consumer; (iii) Verifying the address
    through third-party sources; or (iv) Using other reasonable means. (3) Timing. The policies and procedures
    developed i…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 16 CFR §641.1(c)(1)
    source_class: ftc-regulation
    source_url: https://www.law.cornell.edu/cfr/text/16/641.1
    snapshot_id: 3bc9d66925c9357c
    fetched_at: '2026-05-24T19:34:42Z'
    content_hash: sha256:d4359579af3cb48d83b0a7f6480bb85de8eb8d38a3761b75fb20d4b09b35d964
    paragraph_quote: (i) Verifying the address with the consumer about whom it has requested the report;
      (ii) Reviewing its own records to verify the address of the consumer; (iii) Verifying the address
      through third-party sources; or (iv) Using other reasonable means. (3) Timing. The policies and
      procedures developed in accordance with paragraph (d)(1) of this section must provide that the user
      will furnish the consumer's address that the user has reasonably confirmed is accurate to the consumer
      reporting agency described in 15 U.S.C. 1681a(p) as part of the information it regularly furnishes
      for the reporting period in which it establishes a relationship with the consumer. [ 74 FR 22644
      , May 14, 2009, as amended at 86 FR 51819 , Sept. 17, 2021] CFR Toolbox Law about... Articles from
      Wex Table of Popular Names Parallel Table of Authorities Accessibility About LII Contact us Advertise
      here Help Terms of use Privacy
    drafter_attestation: Verbatim subsection of 16 CFR §641.1 from Cornell LII snapshot 3bc9d66925c9357c;
      body isolated between nav and notes; substring-verified.
  judgment: false
