16 CFR 610 - FREE ANNUAL FILE DISCLOSURES

Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act transferred rulemaking authority for a number of consumer financial protection laws to the Consumer Financial Protection Bureau (“CFPB”). As a result, the Commission is rescinding the following rules under the Fair Credit Reporting Act: “[Identity Theft] Definitions”; “Free Annual File Disclosures Rule”; “Prohibition Against Circumventing Treatment as a Nationwide Consumer Reporting Agency”; “Duration of Active Duty Alerts”; and “Appropriate Proof of Identity.” In addition, the Commission is rescinding two rules addressing mortgage advertising and mortgage assistance relief services under the 2009 Omnibus Appropriations Act: “Mortgage Acts and Practices-Advertising Rule” and “Mortgage Assistance Relief Services Rule.” The Commission is also rescinding its rules governing “Disclosure Requirements for Depository Institutions Lacking Federal Deposit Insurance” under the Federal Deposit Insurance Corporation Improvement Act and its “Procedures for State Application for Exemption from the Provisions of the [Federal Debt Collection Practices] Act.” These rules have been republished by the CFPB.

Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act transferred rulemaking authority for a number of consumer financial protection laws to the Consumer Financial Protection Bureau (“CFPB”). As a result, the Commission is rescinding the following rules under the Fair Credit Reporting Act: “[Identity Theft] Definitions”; “Free Annual File Disclosures Rule”; “Prohibition Against Circumventing Treatment as a Nationwide Consumer Reporting Agency”; “Duration of Active Duty Alerts”; and “Appropriate Proof of Identity.” In addition, the Commission is rescinding two rules addressing mortgage advertising and mortgage assistance relief services under the 2009 Omnibus Appropriations Act: “Mortgage Acts and Practices-Advertising Rule” and “Mortgage Assistance Relief Services Rule.” The Commission is also rescinding its rules governing “Disclosure Requirements for Depository Institutions Lacking Federal Deposit Insurance” under the Federal Deposit Insurance Corporation Improvement Act and its “Procedures for State Application for Exemption from the Provisions of the [Federal Debt Collection Practices] Act.” These rules have been republished by the CFPB.