source:
  type: regulation
  id: reg-v-1022.130
  authority: 12 CFR §1022.130 — Definitions (Regulation V)
  description: 12 CFR §1022.130 — Definitions.
  coverage_tier: context
obligations:
- id: reg-v-1022.130-full
  canonical_id: reg-v-1022.130-full
  section: 12 CFR §1022.130 — Definitions
  type: reference
  tags:
  - regulator-direct
  - fcra
  - corpus-expansion
  - tier-context
  primary_source:
    tier: 1
    authority: 12 CFR §1022.130 — Definitions (Regulation V)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1022.130
    snapshot_id: 3be6291bf1e1f951
    fetched_at: '2026-06-17T19:23:01Z'
    content_hash: sha256:2a8bd3152b3ab3c6316197e790171c5fdfc269c742b1792e5bb68c9ae9513b35
    paragraph_quote: '§ 1022.130 Definitions. 12 CFR § 1022.130 - Definitions. CFR
      § 1022.130 Definitions. For purposes of this subpart, the following definitions
      apply: (a) Annual file disclosure means a file disclosure that is provided to
      a consumer , upon consumer request and without charge, once in any twelve month
      period, in compliance with section 612(a) of the FCRA, 15 U.S.C. 1681j(a) .
      (b) Associated consumer reporting agency means a consumer reporting agency that
      owns or maintains consumer files housed within systems operated by one or more
      nationwide consumer reporting agencies. (c) Consumer report has the meaning
      provided in section 603(d) of the FCRA, 15 U.S.C. 1681a(d) . (d) Consumer reporting
      agency has the meaning provided in section 603(f) of the FCRA, 15 U.S.C. 1681a(f)
      . (e) Extraordinary request volume occurs when the number of consumers requesting
      or attempting to request file disclosures during any twenty-four hour period
      is more than 175 percent of the rolling ninety-day daily average of consumers
      requesting or attempting to request file disclosures . For example, if over
      the previous ninety days an average of one hundred consumers per day requested
      or attempted to request file disclosures , then extraordinary request volume
      would be any volume greater than 175 percent of one hundred, i.e., 176 or more
      requests in a single twenty-four hour period. (f) File disclosure means a disclosure
      by a consumer reporting agency pursuant to section 609 of the FCRA, 15 U.S.C.
      1681g . (g) High request volume occurs when the number of consumers requesting
      or attempting to request file disclosures during any twenty-four hour period
      is more than 125 percent of the rolling ninety-day daily average of consumers
      requesting or attempting to request file disclosures . For example, if over
      the previous ninety days an average of one hundred consumers per day requested
      or attempted to request file disclosures , then high request volume would be
      any volume greater than 125 percent of one hundred, i.e., 126 or more requests
      in a single twenty-four hour period. (h) Nationwide consumer reporting agency
      means a consumer reporting agency that compiles and maintains files on consumers
      on a nationwide basis as defined in section 603(p) of the FCRA, 15 U.S.C. 1681a(p)
      . (i) Nationwide specialty consumer reporting agency has the meaning provided
      in section 603(w) of the FCRA, 15 U.S.C. 1681a(w) . (j) Request method means
      the method by which a consumer chooses to communicate a request for an annual
      file disclosure .'
  judgment: false
