16 CFR § 609.4 - Timing of electronic credit monitoring notices.

---
identifier: "/us/cfr/t16/s609.4"
source: "ecfr"
legal_status: "authoritative_unofficial"
title: "16 CFR § 609.4 - Timing of electronic credit monitoring notices."
title_number: 16
title_name: "Commercial Practices"
section_number: "609.4"
section_name: "Timing of electronic credit monitoring notices."
chapter_name: "FEDERAL TRADE COMMISSION"
subchapter_number: "F"
subchapter_name: "FAIR CREDIT REPORTING ACT"
part_number: "609"
part_name: "FREE ELECTRONIC CREDIT MONITORING FOR ACTIVE DUTY MILITARY"
positive_law: false
currency: "2026-03-24"
last_updated: "2026-03-24"
format_version: "1.1.0"
generator: "[email protected]"
authority: "15 U.S.C. 1681c-1(k)."
regulatory_source: "84 FR 31191, July 1, 2019, unless otherwise noted."
cfr_part: "609"
---


# 609.4 Timing of electronic credit monitoring notices.

The notice required in § 609.3(a) must be provided within 48 hours of any material additions or modifications to a consumer's file.