Which of the following would best provide a sufficient consumer disclosure under the Fair Credit Reporting Act (FCRA) prior to a consumer report being obtained for employment purposes?
Which of the following would best provide a sufficient consumer disclosure under the Fair Credit Reporting Act (FCRA) prior to a consumer report being obtained for employment purposes?
The Fair Credit Reporting Act (FCRA) requires that employers provide a clear and conspicuous disclosure in a standalone document before obtaining a consumer report for employment purposes. This notice cannot be part of an employment application or included in other documents. A standalone notice document ensures that the disclosure is not overlooked among other information and meets the legal requirement of providing sufficient consumer disclosure under the FCRA.
Complying with the FCRA You must take certain steps before you can get a consumer report, and before and after you take an adverse action based on that report. Before You Get a Consumer Report You must: Tell the applicant or employee that you might use information in their consumer report for decisions related to their employment. This notice must be in writing and in a stand-alone format.
A is the right answer
This notice must be in writing and in a stand-alone format. The notice cannot be in an employment application.
https://www.ftc.gov/business-guidance/resources/using-consumer-reports-what-employers-need-know - A