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Credit law tracker

Laws about credit reports change every year, and the rules can differ from one state to the next. This tracker explains, in plain English, the state and federal laws that affect what can appear on your credit reports and what rights you have.

It is here for education and to help you monitor your own credit with confidence. We do not offer credit repair. Everything on these pages is something you can do yourself, for free, using the official source linked on each entry.

123

Entries tracked

52

Jurisdictions with entries

12

Took effect in the last 12 months

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Federal laws and rules

The Fair Credit Reporting Act and federal rules from the CFPB and the FTC apply in every state.

4 entries

See federal entries

Recently effective and upcoming

Homebuyers Privacy Protection Act (trigger leads)

In effect
Jurisdiction
Federal
Citation:
Pub. L. 119-36; 15 U.S.C. 1681b(c)(4)
Effective:
Mar 4, 2026

When you apply for a mortgage, a credit bureau may no longer sell your information as a prescreened lead to other lenders unless you authorized it, or the company already originates or services your current mortgage, or is a bank or credit union that holds a current account of yours. Any such offer must be a firm offer of credit or insurance. The law took effect 180 days after it was signed.

What you can do

Opt out of all prescreened offers for free at OptOutPrescreen.com or 1-888-5-OPT-OUT.

Official sources

Source checked Sep 29, 2026

FCRA Disclosures: maximum file disclosure charge for 2026 (Regulation V)

Final rule
Jurisdiction
Federal
Citation:
90 FR 57888
Effective:
Jan 1, 2026

The CFPB sets the most a credit bureau may charge for a copy of your file when you are not entitled to a free one. For calendar year 2026 the cap is $16.00, up from $15.50 in 2025. Many reports are still free by law, including the free reports at AnnualCreditReport.com and reports after an adverse action or fraud.

What you can do

Use AnnualCreditReport.com for free reports before paying for a copy of your file.

Official sources

Source checked Sep 29, 2026

Fair Credit Reporting Act; Preemption of State Laws (CFPB interpretive rule)

Final rule
Jurisdiction
Federal
Citation:
90 FR 48710
Effective:
Oct 28, 2025

The CFPB issued an interpretive rule stating its view that the FCRA generally preempts state laws on the contents of credit reports and on what companies report to credit bureaus, including state laws that keep medical debt off reports. It replaced a 2022 interpretive rule that took the opposite view. The rule says itself that it is guidance and does not have the force of law, so courts decide how preemption applies.

What you can do

Keep checking your reports for medical debt, and dispute items your state law says should not be reported.

Official sources

Source checked Sep 29, 2026

This is general education, not legal advice. Laws change; check the official source linked on each entry.