12 USC § 4548 - Regulations for use of credit scores

---
identifier: "/us/usc/t12/s4548"
source: "usc"
legal_status: "official_prima_facie"
title: "12 USC § 4548 - Regulations for use of credit scores"
title_number: 12
title_name: "BANKS AND BANKING"
section_number: "4548"
section_name: "Regulations for use of credit scores"
chapter_number: 46
chapter_name: "GOVERNMENT SPONSORED ENTERPRISES"
subchapter_number: "I"
subchapter_name: "SUPERVISION AND REGULATION OF ENTERPRISES"
part_number: "B"
part_name: "Additional Authorities of the Director"
positive_law: false
currency: "119-84"
last_updated: "2026-04-17"
format_version: "1.1.0"
generator: "[email protected]"
source_credit: "(Pub. L. 102–550, title XIII, § 1328, as added Pub. L. 115–174, title III, § 310(c), May 24, 2018, 132 Stat. 1355.)"
---


# § 4548. Regulations for use of credit scores

The Director shall—

**(1)** by regulation, establish standards and criteria for any process used by an enterprise to validate and approve credit scoring models pursuant to section 1717(b)(7) of this title and section 1454(d) of this title; and

**(2)** ensure that any credit scoring model that is validated and approved by an enterprise under section 1717(b)(7) of this title or section 1454(d) of this title meets the requirements of clauses (i), (ii), and (iii) of section 1717(b)(7)(C) of this title and subparagraphs (A), (B), and (C) of section 1454(d) of this title, respectively.

---

**Source Credit**: (Pub. L. 102–550, title XIII, § 1328, as added Pub. L. 115–174, title III, § 310(c), May 24, 2018, 132 Stat. 1355.)

## Editorial Notes

### Prior Provisions

A prior section 4548, , , ; , , , related to required annual reports, prior to repeal by  , title I, § 1104(b), , .