Regulation V, 12 CFR Part 1022
Duties of Consumer Reporting Agencies Regarding Identity Theft
This page is Subpart M, Duties of Consumer Reporting Agencies Regarding Identity Theft of Regulation V, 12 CFR Part 1022: 5 sections, in the publisher's own words. The text was read on September 8, 2026.
- Cited as
- Regulation V, Fair Credit Reporting, 12 CFR Part 1022
- This chapter
- Subpart M, Duties of Consumer Reporting Agencies Regarding Identity Theft
- Currency
- eCFR point-in-time text as of 2026-09-03; latest amendment in the part 2026-01-01
- Sections
- 5
- Official copy
- The current Part on eCFR
- The copy on this page
- The Part as it stood on 2026-09-03, on eCFR
Reproduced from the eCFR point-in-time text. The official version is the one linked above. Nothing has been added to the text, and nothing inside this chapter has been left out.
Section 1022.120§Sections [Reserved]
Section 1022.121§Sections Active duty alerts.
(a) Duration. The duration of an active duty alert shall be twelve months.
Section 1022.122§Sections [Reserved]
Section 1022.123§Sections Appropriate proof of identity.
(a) Consumer reporting agencies shall develop and implement reasonable requirements for what information consumers shall provide to constitute proof of identity for purposes of sections 605A, 605B, and 609(a)(1) of the FCRA. In developing these requirements, the consumer reporting agencies must:
(1) Ensure that the information is sufficient to enable the consumer reporting agency to match consumers with their files; and
(2) Adjust the information to be commensurate with an identifiable risk of harm arising from misidentifying the consumer.
(b) Examples of information that might constitute reasonable information requirements for proof of identity are provided for illustrative purposes only, as follows:
(1) Consumer file match. The identification information of the consumer including his or her full name (first, middle initial, last, suffix), any other or previously used names, current and/or recent full address (street number and name, apt. no., city, state, and zip code), full nine digits of Social Security number, and/or date of birth.
(2) Additional proof of identity. Copies of government issued identification documents, utility bills, and/or other methods of authentication of a person's identity which may include, but would not be limited to, answering questions to which only the consumer might be expected to know the answer.