source:
  type: regulation
  id: reg-v-1022.82
  authority: 12 CFR Part 1022 — Regulation V (Fair Credit Reporting Act, CFPB) § 1022.82 — Duties of users regarding
    address discrepancies
  description: '12 CFR Part 1022 — Regulation V (Fair Credit Reporting Act, CFPB), §1022.82 Duties of users regarding
    address discrepancies. Captured section-complete (all subsections verbatim).

    '
obligations:
- id: reg-v-1022.82-a
  canonical_id: reg-v-1022.82-a
  section: 12 CFR §1022.82(a)
  description: 'Duties of users regarding address discrepancies — (a): (a) Scope. This section applies to a user
    of consumer reports (user) that receives a notice of address discrepancy from a consumer reporting agency described
    in 15 U.S.C. 1681a(p), except for a person excluded from coverage of this part by section 1029 of the Consumer
    Financial Protection Act of 201…'
  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) § 1022.82
    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) Scope. This section applies to a user of consumer reports (user) that receives a notice
      of address discrepancy from a consumer reporting agency described in 15 U.S.C. 1681a(p), except for a person
      excluded from coverage of this part by section 1029 of the Consumer Financial Protection Act of 2010, title
      X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Public Law 111-203, 124 Stat. 137.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1022.82 subsection (a) from snapshot e44b9e817eb33441;
      substring-verified.
  judgment: false
- id: reg-v-1022.82-b
  canonical_id: reg-v-1022.82-b
  section: 12 CFR §1022.82(b)
  description: 'Duties of users regarding address discrepancies — (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 th…'
  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) § 1022.82
    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) 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 (whitespace-normalized) slice of §1022.82 subsection (b) from snapshot e44b9e817eb33441;
      substring-verified.
  judgment: false
- id: reg-v-1022.82-c
  canonical_id: reg-v-1022.82-c
  section: 12 CFR §1022.82(c)
  description: 'Duties of users regarding address discrepancies — (c): (c) Reasonable belief &#x2014;(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…'
  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) § 1022.82
    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: '(c) Reasonable belief &#x2014;(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. (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 1020.220); (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 (whitespace-normalized) slice of §1022.82 subsection (c) from snapshot e44b9e817eb33441;
      substring-verified.
  judgment: false
- id: reg-v-1022.82-d
  canonical_id: reg-v-1022.82-d
  section: 12 CFR §1022.82(d)
  description: 'Duties of users regarding address discrepancies — (d): (d) Consumer''s address &#x2014;(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 ag…'
  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) § 1022.82
    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: '(d) Consumer''s address &#x2014;(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 (whitespace-normalized) slice of §1022.82 subsection (d) from snapshot e44b9e817eb33441;
      substring-verified.
  judgment: false
- id: reg-v-1022.82-i
  canonical_id: reg-v-1022.82-i
  section: 12 CFR §1022.82(i)
  description: 'Duties of users regarding address discrepancies — (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
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 12 CFR Part 1022 — Regulation V (Fair Credit Reporting Act, CFPB) § 1022.82
    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: '(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 (whitespace-normalized) slice of §1022.82 subsection (i) from snapshot e44b9e817eb33441;
      substring-verified.
  judgment: false
- id: reg-v-1022.82-i
  canonical_id: reg-v-1022.82-i
  section: 12 CFR §1022.82(i)
  description: 'Duties of users regarding address discrepancies — (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
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 12 CFR Part 1022 — Regulation V (Fair Credit Reporting Act, CFPB) § 1022.82
    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: (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.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1022.82 subsection (i) from snapshot e44b9e817eb33441;
      substring-verified.
  judgment: false
