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Compliance & Legal

Understanding FCRA and Fair Housing requirements

FCRA Requirements

The Fair Credit Reporting Act (FCRA) governs how consumer reports can be used. Key requirements include:

  • Written consent from the applicant
  • Permissible purpose for the report
  • Adverse action notification procedures
  • Dispute resolution processes
  • Fair Housing Compliance

    When using screening reports, landlords must:

  • Apply consistent criteria to all applicants
  • Avoid discrimination based on protected classes
  • Document decision-making processes
  • Adverse Action Notices

    If you deny an applicant based on screening results, you must:

  • Provide written notice of the denial
  • Include the reason for denial
  • Provide contact information for the screening company
  • Inform the applicant of their right to dispute
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