Your Compliance Edge

The Fair Credit Reporting Act/Background Checks

The Fair Credit Reporting Act (FCRA) regulates requests by an employer for an applicant's consumer report. A consumer report may include such information as an applicant's credit payments, driving records, or criminal history. Among other things, the Act requires employers to give notice, obtain permission, and disclose certain rights to applicants. These forms can help assist you in complying with FCRA and adhere to procedure when requesting a consumer report.

Caution: Many states have laws which prohibit or limit an employer's use of consumer credit reports or criminal records checks and/or prohibit discrimination based on credit or criminal history information. Be sure to check the applicable laws in your state and consult with an employment law attorney who knows your state laws to ensure full compliance.   

Adverse Action Pursuant

to FCRA

Letter of Adverse Action

Credit Report Request

Pursuant to FCRA
FCRA Disclosure and Authorization Statement

  
Pre-Adverse Action Letter

Sample Before Adverse Action Letter

Required Provisions for Company to

Obtain Consumer Report

Sample Certification from Company to Consumer Reporting Agency		  

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Please Note: The sample forms and policies featured in this section may be used for general reference only. All sample forms and policies should be modified to meet your company’s individual needs and applicable laws. Federal and state laws do change and, as a result, the featured forms and policies may not comply with current requirements. We strongly recommend consulting an employment law attorney or HR specialist for assistance with customizing any forms, policies, or the sample employee handbook. Any links that have been provided as an additional source of forms or guidelines are also for general information purposes and cannot be guaranteed for accuracy or compliance with any particular law or requirement.