The Fair Credit Reporting Act
The Federal Fair Credit Reporting Act (FCRA) is a legal document designed to protect individuals by promoting accuracy, fairness, and privacy of information provided by consumer reporting agencies (CRA) to consumers. Providers of pre-employment screening services and solutions, including Global HR Research, are also governed by the FCRA, as are the employers that use our background-screening services.
As a public service, the Federal Trade Commission (FTC) has prepared the complete text of the Fair Credit Reporting Act (FCRA), 15 U.S.C. – 1681 et seq. The format of this text differs in minor ways from the U.S. Code (and from West’s U.S. Code Annotated). For example, this version uses FCRA section numbers in the headings.
This version of the FCRA is complete as of July 1999. It includes the amendments to the FCRA set forth in the Consumer Credit Reporting Reform Act of 1996 (Public Law 104-208, the Omnibus Consolidated Appropriations Act for Fiscal Year 1997, Title II, Subtitle D, Chapter 1), Section 311 of the Intelligence Authorization for Fiscal Year 1998 (Public Law 105-107), and the Consumer Reporting Employment Clarification Act of 1998 (Public Law 105-347).
To view the complete statutes of the Fair credit Reporting Act, visit the Federal Trade Commission’s web site at www.ftc.gov/os/statutes/fcra.htm
Reports supplied by Global HR Research are intended for employment purposes only.
Global HR Research provides FCRA compliance information and online templates of all letters and forms necessary to maintain compliance with FCRA employment background screening requirements, including:
- Applicant Disclosure
- Applicant Consent Forms
- Pre-Adverse Action letters
- Adverse Action Letters
- Summary of Consumer Rights
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