12 C.F.R. § 1022.40
§ 1022.40 Scope. (12 CFR Part 1022)
Operative Text
Subpart E of this part applies to any person that furnishes information to a consumer reporting agency, 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.
Section 1022.40 establishes the reach of Subpart E of 12 CFR Part 1022, which governs the obligations of 'furnishers'—any person or entity that provides information to a consumer reporting agency. The rule applies broadly, with one carve-out: entities excluded from the Consumer Financial Protection Bureau's jurisdiction under Section 1029 of the Consumer Financial Protection Act of 2010 (part of the Dodd-Frank Act) fall outside Subpart E's requirements. In practical terms, this scoping provision determines who must comply with the furnisher accuracy and dispute-handling rules that follow in Subpart E.
Plain English — not legal advice.
Landlords and property managers who report tenant payment history, lease defaults, or other rental information to consumer reporting agencies are generally considered 'furnishers' under § 1022.40 and are therefore subject to the full set of Subpart E obligations. Compliant operators typically assess whether they qualify for the Section 1029 exclusion before assuming they are covered—or not covered—by these rules. Those who do furnish such data generally maintain policies and procedures designed to ensure the accuracy of the information they report.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Under § 1022.40, if a landlord or property manager reports information about you to a consumer reporting agency, they are likely subject to Subpart E's furnisher rules, which include obligations around accuracy and dispute handling. If you believe inaccurate rental information has been reported about you, general enforcement paths include submitting a dispute directly to the furnisher or to the consumer reporting agency, or filing a complaint with the Consumer Financial Protection Bureau. Tenant-rights organizations can help you understand how § 1022.40 and the broader Subpart E framework may apply to your situation.
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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