Fair Credit Reporting Act (15 U.S.C. s. 1681-1681t) (12 CFR Part 1022)

• Employees and prospective employees must be notified that an employer has or may order an investigative consumer report on the person's character, reputation, mode of living,and personal characteristics.


• Applicants must also be advised that they have a right to request that the reporting agency provide them with the details of the report made.


• If an employer does order a report, the employer must advise the employee in writing no later than three days after the report is ordered. The employer must also provide a written statement that upon written request disclosure concerning the investigation will be supplied.


• If an employer rejects an applicant because of information secured in a consumer report,the employer must advise the applicant and provide the name and address of the reporting agency.

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