The Fair Credit Reporting Act (FCRA) is federal legislation that was originally written in the 1970s to protect consumers' personal credit information from being used without their knowledge or consent in a manner that may damage them. It was amended in 1996 (effective 1997) and now regulates all Consumer Reports, whether or not they contain credit information. Due to this legislation, ANY INFORMATION you obtain from Frasco® Profiles is considered a Consumer Report and falls under the regulations of the FCRA.
As an employer you are considered an "End User" of the Consumer Report and must comply with the following stipulations:
- You must certify in writing to Frasco® Profiles that you are using the report for permissible (employment-related) purposes and that you have permission to do so.
- You must notify the subject of the report in writing of your intent to obtain a Consumer Report.
- The subject of the report must sign a written authorization form indicating their permission for you to obtain the report.
If you cannot hire/promote/retain the individual based in whole or in part on information contained in the Consumer Report, you must go through a 2-step process called Adverse Action. Detailed information on how to do this can be found in our Adverse Action - Sample section.
For additional information on the FCRA, please refer to the Federal Trade Commission's website, located at www.ftc.gov. For sample notices, please refer to the Documents section of this website.