The Fair Credit Reporting Act (FCRA) is regulated under Regulation V. This regulation includes guidelines and requirements regarding the accuracy of consumer credit reporting, consumer rights related to credit reports, and the responsibilities of consumer reporting agencies. Regulation V ensures that consumers are informed of their rights and that they have protections against incorrect information in their credit reports.
Regulation X, on the other hand, pertains to Real Estate Settlement Procedures Act (RESPA) and focuses on settlement cost disclosure and consumer protections in real estate transactions. Regulation Y relates to the definitions and regulations concerning bank holding companies and other aspects of financial institutions. Regulation Z governs the Truth in Lending Act (TILA), which requires lenders to disclose key terms of credit and the cost of borrowing to consumers.
Thus, Regulation V is the correct match specifically for matters regarding the Fair Credit Reporting Act.