JPMorgan Chase Patent: Automated Credit Data Furnishing with Compliance Checks
Summary
USPTO published patent application US20260099877A1 assigned to JPMorgan Chase Bank, N.A. The patent covers a method and system for generating consumer credit report files suitable for submission to credit reporting agencies, with automated compliance checking against governmental regulations and automated dispute handling capabilities.
What changed
USPTO published patent application US20260099877A1 for JPMorgan Chase Bank's automated credit data furnishing system. The invention covers methods for generating consumer credit report files with integrated compliance verification—automatically checking generated files against applicable governmental regulations and modifying non-compliant files before submission to credit reporting agencies.
For financial institutions and credit data processors, this patent signals JPMorgan's approach to automating FCRA compliance in credit reporting workflows. Organizations processing consumer credit data should review their current compliance checking procedures to assess whether similar automation approaches could reduce regulatory risk.
What to do next
- Monitor patent database for related enforcement actions
- Review credit data processing systems for potential licensing needs
Archived snapshot
Apr 11, 2026GovPing captured this document from the original source. If the source has since changed or been removed, this is the text as it existed at that time.
METHOD AND SYSTEM FOR AUTOMATED CREDIT DATA FURNISHING INCLUDING COMPLIANCE CHECKS AND DISPUT AUTOMATION
Application US20260099877A1 Kind: A1 Apr 09, 2026
Assignee
JPMorgan Chase Bank, N.A.
Inventors
Sarathi JAYARAMAN, John LANDSBOROUGH, Sara KNOX-ZHANG, Dharani MANJUNATH, Betty DAVIS
Abstract
A method and a system for generating a file that is suitable for submission to a first credit reporting agency are provided. The method includes: receiving a first set of data that relates to a consumer; generating a consumer credit report file by using the first set of data; analyzing the consumer credit report file to determine whether the consumer credit report file violates at least one rule from among a series of rules; determining, based on a result of the analyzing of the consumer credit report file, whether the consumer credit report file is compliant with applicable governmental regulations; when a determination is made that the consumer credit report file is not compliant with the applicable governmental regulations, modifying the consumer credit report file such that, as modified, the consumer credit report file is fully compliant with all of the applicable governmental regulations.
CPC Classifications
G06Q 40/03 G06Q 10/10
Filing Date
2024-10-08
Application No.
18909650
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