Fair Credit Reporting Act Disclosures
CFPB final rule updates the dollar amount threshold for FCRA disclosures under Regulation V, effective 60 days after publication.
Aforeworn detected this change in the Auto Dealer F&I Compliance space on July 30, 2026 and published this briefing so affected operators are forewarned rather than caught off guard. It is rated Medium urgency. Auto dealers and F&I managers who obtain consumer reports for credit transactions. should confirm how it applies to their specific situation before acting. There is a time constraint attached: 60 days after publication in the Federal Register (publication date: December 15, 2025).. Acting after that point can mean penalties, a lapsed licence, or lost eligibility — exactly the kind of surprise Aforeworn exists to prevent. Aforeworn monitors Auto Dealer F&I Compliance continuously and turns every detected change into a plain-English briefing like this one, so you always know first. Forewarned is forearmed.
What changed
The annual dollar amount threshold for certain FCRA disclosure requirements has been adjusted (specific new amount not provided in excerpt).
Who it affects
Auto dealers and F&I managers who obtain consumer reports for credit transactions.
What you must do
Review the final rule to identify the updated threshold and update disclosure forms and procedures accordingly.
Deadline
60 days after publication in the Federal Register (publication date: December 15, 2025).
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Start your free trialRelated changes in Auto Dealer F&I Compliance
- Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V)
- Interpretive Rules, Policy Statements, and Advisory Opinions; Withdrawal
- Authority of States To Enforce the Consumer Financial Protection Act of 2010; Rescission
- Prohibited Terms and Conditions in Agreements for Consumer Financial Products or Services (Regulation AA); Withdrawal of Proposed Rule
- Guidance on Referrals for Potential Criminal Enforcement