12 CFR 1022.38
§ 1022.38 Duty of consumer reporting agencies regarding medical debt information.
United States · 12 CFR — Banks and Banking · Status: effective
Cite this
- Citation
- 12 CFR 1022.38, § 1022.38 Duty of consumer reporting agencies regarding medical debt information, United States, version 1 as recorded 2026-07-09, yourstate.us, https://yourstate.us/provision/49509
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Full text
(a) Scope. This section applies to any consumer reporting agency as defined in section 603(f) of the FCRA, 15 U.S.C. 1681a(f).
(b) Limitation regarding prohibited medical debt information. A consumer reporting agency may include medical debt information, as defined in § 1022.3(j), in a consumer report furnished to a creditor only if the consumer reporting agency:
(1) Has reason to believe the creditor intends to use the medical debt information in a manner not prohibited by § 1022.30; and
(2) Has reason to believe the creditor is not otherwise legally prohibited from obtaining or using the medical debt information, including by a State law that prohibits a creditor from obtaining or using medical debt information.
Legislative history
This is a federal regulation, adopted through agency rulemaking under the Administrative Procedure Act — not enacted by a recorded vote of Congress.