{"data":{"id":"us/12-cfr-1022.38","jurisdiction":"us","citation":"12 CFR 1022.38","heading":"Duty of consumer reporting agencies regarding medical debt information.","body":"(a) Scope. This section applies to any consumer reporting agency as defined in section 603(f) of the FCRA, 15 U.S.C. 1681a(f).\n(b) Limitation regarding prohibited medical debt information. A consumer reporting agency may include medical debt information, as defined in § 1022.3(j), in a consumer report furnished to a creditor only if the consumer reporting agency:\n(1) Has reason to believe the creditor intends to use the medical debt information in a manner not prohibited by § 1022.30; and\n(2) Has reason to believe the creditor is not otherwise legally prohibited from obtaining or using the medical debt information, including by a State law that prohibits a creditor from obtaining or using medical debt information.","path":["Title 12—Banks and Banking","CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU","PART 1022—FAIR CREDIT REPORTING (REGULATION V)","Subpart D—Medical Information"],"source_url":"https://www.ecfr.gov/api/versioner/v1/full/2026-08-25/title-12.xml","current_through":"2026-08-25","vintage":"","retrieved_at":"2026-08-27T02:24:16Z","sha256":"da57dac017844e0534960110114e72cdca67414da476b10b9f52b37a40d7ea4a","source_id":"us-cfr","stale":true,"prev":"us/12-cfr-1022.33-1022.37","next":"us/12-cfr-1022.40"},"notice":"GroundRules: Original legal text. Not legal advice."}