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Federal Register / Vol. 86, No. 178 / Friday, September 17, 2021 / Rules and Regulations
51817

Your Credit Score and Understanding Your Credit Score
Insert credit score
Source: Insert source
Date: Insert date score was created
Your credit score is a number that reflects the information in your credit report. We used your credit score to set the terms of the credit we are offering you.
Your credit score can change, depending on how your credit history changes.

Scores range from a low of Insert bottom number in the range to a high of Insert top number of the range.
Insert Insert Insert Insert Insert
first factor second factor third factor fourth factor number of enquiries as a key factor, if applicable
If you have any questions regarding your credit score, you should contact entity that provided the credit score at:
Address: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __

Toll-free Telephone number: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __

FOR FURTHER INFORMATION CONTACT:

FEDERAL TRADE COMMISSION

David Lincicum 2023262773, Division of Privacy and Identity Protection, Bureau of Consumer Protection, Federal Trade Commission, 600 Pennsylvania Avenue NW, Washington, DC 20580.
SUPPLEMENTARY INFORMATION:

16 CFR Part 641

I. Background
RIN 3084AB63

A. The Address Discrepancy Rule
FR Doc. 202119908 Filed 91621; 8:45 am BILLING CODE 675001C

Duties of Users of Consumer Reports Regarding Address Discrepancies Federal Trade Commission.
Final rule.

AGENCY:
ACTION:

The Federal Trade Commission FTC or Commission is issuing a final rule Final Rule to amend its Duties of Users of Consumer Reports Regarding Address Discrepancies Rule Address Discrepancy Rule to correspond to changes made to the Fair Credit Reporting Act FCRA by the DoddFrank Act.
DATES: This rule is effective October 18, 2021.
SUMMARY:

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The Fair and Accurate Credit Transactions Act of 2003 FACT Act was signed into law on December 4, 2003. Public Law 108159, 117 Stat.
1952. The FACT Act added section 605h to the Fair Credit Reporting Act FCRA, which requires a national consumer reporting agency CRA that receives a request for a consumer report that contains an address substantially different from the address on file for the consumer to notify the requester of the existence of the discrepancy.1 Section 605h also required federal banking agencies, the National Credit Union Administration and the Commission to
issue regulations providing guidance regarding reasonable policies and procedures that a user of a consumer report should employ when the user receives a notice of address discrepancy.2 In 2007, the agencies issued the Address Discrepancy Rule to satisfy this requirement.3
The Address Discrepancy Rule requires a user of consumer reports to develop and implement reasonable policies and procedures designed to enable the user to form a reasonable belief that a consumer report relates to the consumer about whom it has requested a consumer report, when the user receives a notice of address discrepancy.4 Users must also develop and implement reasonable policies and procedures for furnishing an address for the consumer that the user has reasonably confirmed as accurate to the CRA from whom it received the notice when the user 1 can confirm the consumer report relates to the consumer about whom the user requested the 2 15

U.S.C. 1681ch2.
CFR part 641.
4 16 CFR 641.1c.
3 16

1 Section
PO 00000

605 is codified at 15 U.S.C. 1681c.

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By direction of the Commission.
April J. Tabor, Secretary.