12 C.F.R. § 1022.121
§ 1022.121 Active duty alerts. (12 CFR Part 1022)
Operative Text
(a) Duration. The duration of an active duty alert shall be twelve months.
Under § 1022.121, an active duty alert placed on a consumer's credit file is set to remain in effect for a fixed period of twelve months. This rule establishes a uniform duration, meaning the alert does not expire sooner or extend longer based on individual circumstances. The provision applies within the framework of the Fair Credit Reporting Act as implemented by the Consumer Financial Protection Bureau.
Plain English — not legal advice.
Property owners and managers who use consumer credit reports as part of tenant screening should be aware that under § 1022.121, an active duty alert on an applicant's file signals a twelve-month protection period tied to military service. Compliant operators typically take note of such alerts and follow the identity verification requirements that accompany them before extending credit-based offers. Familiarity with this provision helps ensure that screening practices align with federal credit reporting obligations.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
If you are an active duty servicemember, § 1022.121 provides that an active duty alert placed on your credit report will remain active for twelve months, offering a defined window of protection against certain fraudulent credit activity. Tenants and servicemembers who believe this right has not been honored may consider contacting the Consumer Financial Protection Bureau or a tenant- or servicemember-rights organization to understand available options. Raising a potential violation of this provision is a path that consumer protection and legal aid resources can help evaluate.
General guidance for tenants — not legal advice for your specific situation. Consult a tenant-rights organization or attorney for advice on your case.
Generated September 4, 2026 — auto-generated, not yet human-reviewed. See /transparency for methodology.
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