The Consumber Financial Protection Bureau (CFPB) has made changes to three of the notices required by the Fair Credit Reporting Act. These changes are effective January 1, 2013.

The forms that are being updated are used in the background screening process and are required by the FCRA. They are:

  • A Summary of your Rights Under the FCRA
  • Notice to Users of Consumer Reports: Obligations of Users under the FCRA
  • Notice to Furnishers of Information: Obligations of Furnishers under the FCRA

These changes are part of the Dodd-Frank Wall Street Reform and Consumer Protection Act that President Obama signed into law on July 21, 2010.

To comply with the new law, you must stop using the old forms and notices by January 1, 2013.

For more information and links to pdfs of the forms, visit