# Free Annual File Disclosures
> **US Federal Trade Commission** · Final Rule. · Published 2004-06-24 · Effective 2004-12-01 · 69 FR 35468
## Document
- **Document number:** 04-14388
- **Category:** final-rule
- **Agency:** US Federal Trade Commission
- **Federal Register citation:** 69 FR 35468
- **CFR reference:** 16 CFR 610
- **Publication date:** 2004-06-24
- **Effective date:** 2004-12-01
## Abstract

The Fair and Accurate Credit Transactions Act of 2003 (FACT Act or the Act) requires the FTC to adopt regulations to require the establishment of a centralized source through which consumers may request a free annual file disclosure from each nationwide consumer reporting agency; a standardized form for such requests; and a streamlined process for consumers to request free annual file disclosures from nationwide specialty consumer reporting agencies. This final rule implements these requirements.

## Source
- [Federal Register document](https://www.federalregister.gov/documents/2004/06/24/04-14388/free-annual-file-disclosures)
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