# Fair Credit Reporting Medical Information Regulations
> **US Federal Reserve System** · Interim final rules; request for public comments. · Published 2005-06-10 · Effective 2006-03-07 · 70 FR 33958
## Document
- **Document number:** 05-11356
- **Category:** final-rule
- **Agency:** US Federal Reserve System
- **Federal Register citation:** 70 FR 33958
- **CFR reference:** 12 CFR 41
- **Publication date:** 2005-06-10
- **Effective date:** 2006-03-07
- **Docket:** Docket No. 05-10
## Abstract

The OCC, Board, FDIC, OTS, and NCUA (Agencies) are publishing interim final rules to implement section 411 of the Fair and Accurate Credit Transactions Act of 2003 (FACT Act). The interim final rules create exceptions to the statute's general prohibition on creditors obtaining or using medical information pertaining to a consumer in connection with any determination of the consumer's eligibility, or continued eligibility, for credit for all creditors. The exceptions permit creditors to obtain or use medical information in connection with credit eligibility determinations where necessary and appropriate for legitimate purposes, consistent with the Congressional intent to restrict the use of medical information for inappropriate purposes. The interim final rules also create limited exceptions to permit affiliates to share medical information with each other without becoming consumer reporting agencies.

## Source
- [Federal Register document](https://www.federalregister.gov/documents/2005/06/10/05-11356/fair-credit-reporting-medical-information-regulations)
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