12 C.F.R. § 1022.141
§ 1022.141 Reasonable charges for certain disclosures. (12 CFR Part 1022)
Operative Text
Pursuant to section 612(f) of the FCRA, 15 U.S.C. 1681j(f), the charge imposed by a consumer reporting agency for a disclosure to the consumer pursuant to section 609 of the FCRA, 15 U.S.C. 1681g, shall not exceed the maximum allowable charge set by the Bureau.
Under 12 CFR Part 1022 § 1022.141, when a consumer reporting agency provides a consumer with a disclosure of their own file information under Section 609 of the Fair Credit Reporting Act, any fee charged for that disclosure cannot exceed a maximum amount established by the Consumer Financial Protection Bureau. This cap exists to ensure that consumers are not priced out of accessing their own credit information. The Bureau periodically sets and updates this ceiling figure, which serves as the binding upper limit on what agencies may collect for such disclosures.
Plain English — not legal advice.
While 12 CFR Part 1022 § 1022.141 is primarily directed at consumer reporting agencies rather than landlords, property owners and managers who operate or use tenant screening services that function as consumer reporting agencies should be aware that any fees charged to applicants or tenants for file disclosures must stay within the Bureau-established maximum. Compliant operators generally review their fee schedules against current Bureau announcements to confirm alignment with the allowable charge ceiling. Staying current with Bureau updates to this figure is a standard part of maintaining lawful screening practices.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
Under 12 CFR Part 1022 § 1022.141, you have a right to request disclosure of your own file from a consumer reporting agency, and that agency is prohibited from charging you more than the maximum amount set by the Consumer Financial Protection Bureau for providing it. If you believe you have been charged an amount exceeding that cap, general enforcement paths include filing a complaint with the CFPB, contacting your state attorney general's office, or reaching out to a tenant-rights or consumer-rights organization for guidance. Keeping records of any fees charged to you in connection with such disclosures can be useful when exploring these options.
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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