CFPB Final Rule: 2026 Maximum Charge for FCRA Disclosures

CFPB Final Rules

Published January 1st, 2026

Detected March 14th, 2026

Summary

The Consumer Financial Protection Bureau (CFPB) issued a final rule establishing the maximum allowable charge for Fair Credit Reporting Act (FCRA) disclosures for the 2026 calendar year. This annual adjustment is required by the FCRA.

View original document View source feed page

What changed

The Consumer Financial Protection Bureau (CFPB) has issued a final rule that amends an appendix to Regulation V, which implements the Fair Credit Reporting Act (FCRA). This rule specifically establishes the maximum allowable charge that consumer reporting agencies can levy for providing disclosures to consumers under section 609 of the FCRA for the 2026 calendar year. The docket number for this rulemaking is CFPB-2025-0001-0015.

This is a routine annual adjustment required by statute. Consumer reporting agencies must update their systems to reflect the new maximum charge for 2026. While no specific compliance deadline is mentioned beyond the effective date of January 1, 2026, agencies should ensure their pricing structures are compliant by this date to avoid potential violations of FCRA disclosure requirements.

What to do next

Update pricing for FCRA disclosures to reflect the maximum allowable charge for 2026.
Ensure compliance with the updated maximum charge by January 1, 2026.

Source document (simplified)

Category: Final rule

Fair Credit Reporting Act Disclosures

DEC 15, 2025

The Consumer Financial Protection Bureau (Bureau) is issuing this final rule amending an appendix for Regulation V, which implements the Fair Credit Reporting Act (FCRA). The Bureau is required to calculate annually the dollar amount of the maximum allowable charge for disclosures by a consumer reporting agency to a consumer pursuant to section 609 of the FCRA; this final rule establishes the maximum allowable charge for the 2026 calendar year.