FCRA Compliance Resources
If your organization runs background checks, screens tenants, or otherwise uses consumer reports, the Fair Credit Reporting Act gives you obligations — regardless of your size. These guides explain what the law requires, in the order you actually need to do it.
For Everyone Using Consumer Reports
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Medical Debt in the Crosshairs: What FCRA Professionals Need to Know as Reporting Rules Shift
Medical debt has become one of the most actively evolving areas of consumer reporting. CFCRP members need a firm grasp of recent trends, regulatory signals, and practical compliance implications to stay current.
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Two Files, One Consumer: Identifying and Escalating Mixed File and Identity Mismatch Errors
Mixed files are among the most damaging credit reporting errors a consumer can face—and among the hardest to detect. Here's what FCRA professionals need to recognize, document, and escalate.
For Employers
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FCRA Background Check Compliance for Employers
The disclosure, the authorization, the pre-adverse action notice, and the waiting period — the five steps the law requires before a background check can cost someone a job.
7 more guides are in progress. New material is added as it is written and reviewed. If there is a compliance question you need answered that is not covered here, tell us and we will prioritize it.
Certified FCRA Professional
These guides cover individual topics. The CFCRP program covers the whole framework, with an exam and a credential your clients and employers can verify.