12 C.F.R. § 1022.1
§ 1022.1 Purpose, scope, and model forms and disclosures. (12 CFR Part 1022)
Operative Text
(a) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act (FCRA). This part generally applies to persons that obtain and use information about consumers to determine the consumer's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. (b) Scope. (1) [Reserved] (2) Institutions covered. (i) Except as otherwise provided in this part, this part applies to any person subject to the FCRA except for a person excluded from coverage of this part by section 1029 of the Consumer Financial Protection Act of 2010, title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, Public Law 111-203, 124 Stat. 1376. (ii) For purposes of appendix B to this part, financial institutions as defined in section 509 of the Gramm-Leach-Bliley Act (12 U.S.C. 6809), may use the model notices in appendix B to this part to comply with the notice requirement in section 623(a)(7) of the FCRA (15 U.S.C. 1681s-2(a)(7)). (c) Model forms and disclosures—(1) Use. Appendices D, H, I, K, L, M, and N contain model forms and disclosures. These appendices carry out the directive in FCRA that the Bureau prescribe such model forms and disclosures. Use or distribution of these model forms and disclosures, or substantially similar forms and disclosures, will constitute compliance with any section or subsection of the FCRA requiring that such forms and disclosures be used by or supplied to any person. (2) Definition. Substantially similar means that all information in the Bureau's prescribed model is included in the document that is distributed, and that the document distributed is formatted in a way consistent with the format prescribed by the Bureau. The document that is distributed shall not include anything that interferes with, detracts from, or otherwise undermines the information contained in the Bureau's prescribed model. Until January 1, 2013, the model forms in appendices B, E, F, G, and H to 16 CFR part 698, as those appendices existed as of October 1, 2011, are deemed substantially similar to the corresponding model forms in appendices H, I, K, M, and N to this part, and the model forms in appendix H to 12 CFR part 222, as that appendix existed as of October 1, 2011, are deemed substantially similar to the corresponding model forms in appendix H to this part.
Section 1022.1 establishes the purpose and scope of the CFPB's regulations implementing the Fair Credit Reporting Act (FCRA), which governs how consumer information is collected, shared, and used to determine eligibility for products, services, or employment. The rule applies broadly to any person subject to the FCRA, with limited exceptions carved out by the Dodd-Frank Act. It also authorizes the use of official model forms and disclosures found in the regulation's appendices, specifying that using these forms — or ones that are 'substantially similar' — satisfies the FCRA's disclosure requirements.
Plain English — not legal advice.
Landlords and property managers who pull consumer reports to screen rental applicants are among the persons covered by § 1022.1, since they obtain and use consumer information to determine eligibility for housing. Compliant operators generally ensure that any required FCRA disclosures they provide to applicants are drawn from, or are substantially similar to, the Bureau's model forms found in the relevant appendices — meaning all required information is present and the format is not altered in a way that undermines the prescribed content. Operators subject to the FCRA's furnishing or notice requirements may also reference the model notices in appendix B when applicable to their institution type.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Under § 1022.1, the FCRA's protections extend to consumers whose information is used by landlords, employers, and others to make eligibility decisions, meaning tenants have federally recognized rights when their consumer reports are accessed during the rental process. If a landlord fails to provide required disclosures or uses forms that do not meet the 'substantially similar' standard described in § 1022.1, that may constitute a violation of the FCRA that a tenant could raise in a complaint or as part of a legal proceeding. Tenants who believe their rights under this framework have been violated can explore options such as filing a complaint with the CFPB, contacting a tenant-rights organization, or consulting with a consumer law attorney.
General guidance for tenants — not legal advice for your specific situation. Consult a tenant-rights organization or attorney for advice on your case.
Generated September 4, 2026 — auto-generated, not yet human-reviewed. See /transparency for methodology.
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