12 CFR §1002.10 — Furnishing of credit information (Regulation B)

reg-b-1002-10

12 CFR §1002.10 — Furnishing of credit information.

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  authority: 12 CFR §1002.10 — Furnishing of credit information (Regulation B)
  description: 12 CFR §1002.10 — Furnishing of credit information.
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    section: 12 CFR §1002.10 — Furnishing of credit information
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    primary_source:
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      authority: 12 CFR §1002.10 — Furnishing of credit information
      source_class: cfpb-regulation
      source_url: https://www.law.cornell.edu/cfr/text/12/1002.10
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      paragraph_quote: '§ 1002.10 Furnishing of credit information. (a) Designation of accounts. A creditor that furnishes credit information shall designate: (1) Any new account to reflect the participation of both spouses if the applicant ''s spouse is permitted to use or is contractually liable on the account (other than as a guarantor, surety, endorser, or similar party); and (2) Any existing account to reflect such participation, within 90 days after receiving a written request to do so from one of the spouses. (b) Routine reports to consumer reporting agency. If a creditor furnishes credit information to a consumer reporting agency concerning an account designated to reflect the participation of both spouses, the creditor shall furnish the information in a manner that will enable the agency to provide access to the information in the name of each spouse. (c) Reporting in response to inquiry. If a creditor furnishes credit information in response to an inquiry, concerning an account designated to reflect the participation of both spouses, the creditor shall furnish the information in the name of the spouse about whom the information is requested.'

Verbatim regulatory text (1)

Verbatim provisions from 12 CFR §1002.10 — Furnishing of credit information (Regulation B) — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

12 CFR §1002.10 — Furnishing of credit information

§ 1002.10 Furnishing of credit information. (a) Designation of accounts. A creditor that furnishes credit information shall designate: (1) Any new account to reflect the participation of both spouses if the applicant 's spouse is permitted to use or is contractually liable on the account (other than as a guarantor, surety, endorser, or similar party); and (2) Any existing account to reflect such participation, within 90 days after receiving a written request to do so from one of the spouses. (b) Routine reports to consumer reporting agency. If a creditor furnishes credit information to a consumer reporting agency concerning an account designated to reflect the participation of both spouses, the creditor shall furnish the information in a manner that will enable the agency to provide access to the information in the name of each spouse. (c) Reporting in response to inquiry. If a creditor furnishes credit information in response to an inquiry, concerning an account designated to reflect the participation of both spouses, the creditor shall furnish the information in the name of the spouse about whom the information is requested.

Source: 12 CFR §1002.10 — Furnishing of credit information · source URL · snapshot 4af662c0a6ec7300

Operationalizing 12 CFR §1002.10 — Furnishing of credit information (Regulation B)

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Source of record: https://claudeforcompliance.com/regs/reg-b-1002-10/ · register reg-b-1002-10 · Claude for Compliance. Free to read and download; see regulatory updates and methodology.