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Five Requirements of Employment Background Checks under the FCRA

On Behalf of | Sep 12, 2013 | Consumer Protection

Seeing as I have focused my recent blogs on the topic of the
Fair Credit Reporting Act (“FCRA”) and compliance with the statute
when conducting an
employment background check
, I think it is a good time to
provide you with a summary of the requirements of employers when
screening applicants.  Below is my list of the five
requirements of employers when requesting a background

  • The employer must provide the employee or job applicant with a
    written disclosure of its intent to request an investigative
    consumer report.  This notice must be clearly understood
    by the employee or applicant.
  • The employee must give the employer express
    to obtain a consumer report on the employee or
  • After receiving the consumer report, the employer must notify
    the employee or applicant if it plans to take “adverse action”
    against the individual based on any information obtained from the
  • The employer must present the employee or job applicant with an
    “adverse action” notice explaining that it has based its decision
    not to continue employment or to hire the employee or applicant
    based on the information contained in the report and the name and
    address of the
    consumer reporting agency used in making this
  • After adverse action is taken against the employee or
    applicant, the employer must provide the individual with “A Summary
    of Your Rights Under the Fair Credit Reporting Act”.

If you have recently applied for a job or promotion and your
employer or potential employer has not followed all of the above
referenced steps, contact SmithMarco P.C. for a free case review.