12 CFR § 222.42 - Reasonable policies and procedures concerning the accuracy and integrity of furnished information.

---
identifier: "/us/cfr/t12/s222.42"
source: "ecfr"
legal_status: "authoritative_unofficial"
title: "12 CFR § 222.42 - Reasonable policies and procedures concerning the accuracy and integrity of furnished information."
title_number: 12
title_name: "Banks and Banking"
section_number: "222.42"
section_name: "Reasonable policies and procedures concerning the accuracy and integrity of furnished information."
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"
---


# 222.42 Reasonable policies and procedures concerning the accuracy and integrity of furnished information.

(a) *Policies and procedures.* Each furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the nature, size, complexity, and scope of each furnisher's activities.

(b) *Guidelines.* Each furnisher must consider the guidelines in appendix E of this part in developing its policies and procedures required by this section, and incorporate those guidelines that are appropriate.

(c) *Reviewing and updating policies and procedures.* Each furnisher must review its policies and procedures required by this section periodically and update them as necessary to ensure their continued effectiveness.