12 C.F.R. § 1022.42
§ 1022.42 Reasonable policies and procedures concerning the accuracy and integrity of furnished information. (12 CFR Part 1022)
Operative Text
(a) Policies and procedures. Each furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information relating to consumers that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the nature, size, complexity, and scope of each furnisher's activities. (b) Guidelines. Each furnisher must consider the guidelines in appendix E of this part in developing its policies and procedures required by this section, and incorporate those guidelines that are appropriate. (c) Reviewing and updating policies and procedures. Each furnisher must review its policies and procedures required by this section periodically and update them as necessary to ensure their continued effectiveness.
Section 1022.42 of 12 CFR Part 1022 establishes that any entity furnishing consumer information to credit reporting agencies must maintain written policies and procedures designed to ensure the accuracy and integrity of that information. These policies must be scaled to fit the furnisher's particular size and operational complexity, and they must be revisited and revised over time to remain effective. The rule also directs furnishers to consult specific federal guidelines found in Appendix E of the same part when crafting those internal policies.
Plain English — not legal advice.
Property owners and managers who report tenant payment data to consumer reporting agencies are considered furnishers under § 1022.42 and are expected to maintain documented, written policies governing how that data is collected, verified, and transmitted. Compliant operators typically tailor these policies to reflect the scale of their rental operations, incorporate the Appendix E guidelines where applicable, and schedule regular internal reviews to keep procedures current. Keeping records of policy reviews and updates is a common practice that supports demonstrating ongoing compliance with this provision.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Under § 1022.42, tenants have an interest in knowing that landlords or property managers who report their payment history to credit bureaus are required by federal regulation to do so accurately and under documented procedures. If a tenant believes inaccurate information has been furnished to a consumer reporting agency, this provision's accuracy and integrity requirements may be relevant context when disputing that information through the credit bureau's dispute process or by filing a complaint with the Consumer Financial Protection Bureau. Tenant-rights organizations and housing counselors can help individuals understand how § 1022.42 intersects with other consumer reporting protections, such as those under the Fair Credit Reporting Act.
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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