Fair Credit Reporting Act Disclosures: 2025 maximum charge for consumer file disclosures (CFPB Final rule; official interpretation FR Doc. 2024-27695)

Fair Credit Reporting Act Disclosures: 2025 maximum charge for consumer file disclosures

The CFPB amends Appendix O to Regulation V to set the 2025 maximum allowable charge for a consumer reporting agency's file disclosure to a consumer at $15.50, unchanged from 2024. No new lender or servicer obligation is created.

Loan impact

From the interpretation text · verified

Applies to: Consumer reporting agencies' charges for file disclosures to consumers under FCRA section 609 in calendar year 2025; no specific loan population is affected.

Affected area: Report
Affected documents: Consumer credit file disclosure
Effective: Jan 1, 2025
Applicability confidence: Verified: every row above is supported by the source text

Supporting quotes from the interpretation

affected areas“For calendar year 2025, the maximum allowable charge is $15.50.”
affected documents“Section 612(f) of the FCRA, 15 U.S.C. 1681j(f), directs the Bureau to increase the maximum allowable charge a consumer reporting agency may impose for making a disclosure to the consumer pursuant to section 609 of the FCRA, 15 U.S.C. 1681g, on January 1 of each year, based proportionally on changes in the Consumer Price Index, with fractional changes rounded to the nearest fifty cents.”

What changed

From the interpretation text

Requirement	Previously	Now
Maximum allowable charge for consumer file disclosure, 2025Clarified	Previously: Maximum allowable charge for 2024 was $15.50.	Maximum allowable charge for calendar year 2025 is $15.50 (unchanged).

What to do

AWACS interpretation · not source language

QC implications

No mandatory change applies, so no new QC testing is needed because of this rule.
If the lender looks at consumer file disclosure charges, QC may confirm that the 2025 maximum allowable charge is read as $15.50, the same as 2024.

Source and record

Version 1 · archived Oct 19, 2026

Checks passed

Schema valid
Effective quotes verbatim
Document ID appears in the source
Doc id matches catalog
Mandatory status is backed by requirement language
Mandatory entries have requirement language
Published on present
Title summary length
Controlled vocabulary
No placeholder tokens
Source link resolves
Loan impact quotes verbatim
Loan impact vocabulary
Changes quoted
Impact type consistent
Every required change is backed by obligation language
Only new or tightened changes are marked required
Loan impact covers every required change
Quotes are complete sentences
Unflagged must
Diff complete
Mandatory date resolved
Audience verbatim
Scope residential
Out of scope
Published in window
Interpretation schema valid
Interpretation separate

Source

Final rule; official interpretation FR Doc. 2024-27695 (official) ↗ (opens in a new tab)
Archived copy, SHA-256 2341f565f92e…
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