12 CFR § 1022.26 - Delivery of opt-out notices.
---
identifier: "/us/cfr/t12/s1022.26"
source: "ecfr"
legal_status: "authoritative_unofficial"
title: "12 CFR § 1022.26 - Delivery of opt-out notices."
title_number: 12
title_name: "Banks and Banking"
section_number: "1022.26"
section_name: "Delivery of opt-out notices."
chapter_name: "CONSUMER FINANCIAL PROTECTION BUREAU"
part_number: "1022"
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: "12 U.S.C. 5512, 5581; 15 U.S.C. 1681a, 1681b, 1681c, 1681c-1, 1681c-3, 1681e, 1681g, 1681i, 1681j, 1681m, 1681s, 1681s-2, 1681s-3, and 1681t; Sec. 214, Pub. L. 108-159, 117 Stat. 1952."
regulatory_source: "76 FR 79312, Dec. 21, 2011, unless otherwise noted."
cfr_part: "1022"
---
# 1022.26 Delivery of opt-out notices.
(a) *In general.* The opt-out notice must be provided so that each consumer can reasonably be expected to receive actual notice. For opt-out notices provided electronically, the notice may be provided in compliance with either the electronic disclosure provisions in this subpart or the provisions in section 101 of the Electronic Signatures in Global and National Commerce Act, 15 U.S.C. 7001 *et seq.*
(b) *Examples of reasonable expectation of actual notice.* A consumer may reasonably be expected to receive actual notice if the affiliate providing the notice:
(1) Hand-delivers a printed copy of the notice to the consumer;
(2) Mails a printed copy of the notice to the last known mailing address of the consumer;
(3) Provides a notice by email to a consumer who has agreed to receive electronic disclosures by email from the affiliate providing the notice; or
(4) Posts the notice on the Web site at which the consumer obtained a product or service electronically and requires the consumer to acknowledge receipt of the notice.
(c) *Examples of no reasonable expectation of actual notice.* A consumer may *not* reasonably be expected to receive actual notice if the affiliate providing the notice:
(1) Only posts the notice on a sign in a branch or office or generally publishes the notice in a newspaper;
(2) Sends the notice via email to a consumer who has not agreed to receive electronic disclosures by email from the affiliate providing the notice; or
(3) Posts the notice on a Web site without requiring the consumer to acknowledge receipt of the notice.