Summary of Fair Credit Reporting Act; Preemption of State Laws Interpretive Rules
Updated 03/23/2026
This 2025 interpretive rule allows uniform application of Fair Credit Reporting Act principles across States, thereby preempting any State law that would contradict the FCRA rules. FCRA’s 2022 interpretive rule is withdrawn. The 2022 interpretation allowed a narrow interpretation of preemption, allowing State law to prevail over Federal rule in certain circumstances.
Members Can Download This Tool
Login to Download
Not Yet a Member?
Our members enjoy:
On-demand regulatory guidance hotline – by chat, phone and email – available from anywhere, on any device – 7 am - 6 pm, M-F, Central time
Research time saved daily & weekly across forms, checklists, and trainings — for every regulation
Hours of form-building and branding of bank documents saved; in some cases, even the budget of additional staff
A sounding board for support and reassessment when institutional goals or the regulatory environment changes
Access to attorneys and compliance specialists for risk modelling and decision-making in advance of large business decisions
The knowledge that C/A was created and owned by 30 State Bankers Association to provide bank compliance services to their membership organizations
Find out how a personalized team of attorneys and compliance professionals helps build targeted compliance strategies throughout your institution when you take our Live Membership Demo.