12 CFR § 1022.38 - Duty of consumer reporting agencies regarding medical debt information.

---
identifier: "/us/cfr/t12/s1022.38"
source: "ecfr"
legal_status: "authoritative_unofficial"
title: "12 CFR § 1022.38 - Duty of consumer reporting agencies regarding medical debt information."
title_number: 12
title_name: "Banks and Banking"
section_number: "1022.38"
section_name: "Duty of consumer reporting agencies regarding medical debt information."
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"
---


# 1022.38 Duty of consumer reporting agencies regarding medical debt information.

(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.

[90 FR 3373, Jan. 14, 2025]