It is in the fuel tank, and there is no need to change unless it is too dirty to pass fuel (I was going to say pass gas).
In this day and age of clean fuel, normally a filter never requires changing. In the olden days, when fuel was pumped into a steel tank, and it rusted, dirty fuel was pumped into your metal fuel tank. Thus you had **** floating in your fuel.
Nowadays, thanks the the EPA, there are no metal in-ground tanks, all are fiberglass, and thanks to the exploding vehicles, your fuel tank is plastic and will crush and not break. So, the fuel tends to stay clean.
Not to say you could not get a bad batch of fuel, and if you do, it requires removing the fuel tank, but the odds are pretty slim.
If someday, you should notice that you vehicle idles great, and slowly accelerates great, but when floored it stalls out, it is time to have someone perform some pressure testing. This is one indication of a clogged fuel filter. When idling or slowly accelerating, enough fuel makes it through a dirty filter, when floored, the engine starves for fuel and studders and/or stalls.
