12 CFR § 222.28 - Effective date, compliance date, and prospective application.

---
identifier: "/us/cfr/t12/s222.28"
source: "ecfr"
legal_status: "authoritative_unofficial"
title: "12 CFR § 222.28 - Effective date, compliance date, and prospective application."
title_number: 12
title_name: "Banks and Banking"
section_number: "222.28"
section_name: "Effective date, compliance date, and prospective application."
chapter_name: "FEDERAL RESERVE SYSTEM"
subchapter_number: "A"
subchapter_name: "BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"
part_number: "222"
part_name: "FAIR CREDIT REPORTING (REGULATION V)"
positive_law: false
currency: "2026-04-05"
last_updated: "2026-04-05"
format_version: "1.1.0"
generator: "[email protected]"
authority: "15 U.S.C. 1681b, 1681c, 1681m and 1681s; Secs. 3, 214, and 216, Pub. L. 108-159, 117 Stat. 1952."
regulatory_source: "Reg. V, 68 FR 74469, Dec. 24, 2003, unless otherwise noted."
cfr_part: "222"
---


# 222.28 Effective date, compliance date, and prospective application.

(a) *Effective date.* This subpart is effective January 1, 2008.

(b) *Mandatory compliance date.* Compliance with this subpart is required not later than October 1, 2008.

(c) *Prospective application.* The provisions of this subpart shall not prohibit you from using eligibility information that you receive from an affiliate to make solicitations to a consumer if you receive such information prior to October 1, 2008. For purposes of this section, you are deemed to receive eligibility information when such information is placed into a common database and is accessible by you.