Tag: disclosure authorization

In a previous article, we addressed the Disclosure and Authorization. In particular, the requirement to provide disclosure and obtain authorization and to pay particular attention to keeping them simple, without extraneous language. And yet, criminal records are public records. The accusation, trial, and sentencing are public records. There is a move to suppress identifiers on […]

Where do I need to be careful? Pre/Post Adverse Action In past articles, we discussed Permissible Purpose and the Disclosure and Authorization. This article assumes you have a permissible purpose, have obtained a compliant Disclosure and Authorization, have ordered and received the information, and said to yourself “uh-oh” after looking at it. If you review […]

Our last article discussed Permissible Purpose. This one addresses your Disclosure and Authorization. Now don’t yawn and stop reading just yet. 100% of you reading this have certified to us that you will provide disclosure and obtain authorization before ordering information from us. That’s not the issue and the reason many companies have paid millions […]

At the risk of being a broken record (for you youngsters, records preceded online music and CDs and when they got a scratch might play the same thing over and over again) we want to address the disclosure and authorization issue. As you know, this is perhaps the most litigious area in the use of […]

In the last article we discussed the disclosure to the applicant. You must disclose to your applicant that you are going to obtain their consumer report and that you will use this information as a factor in deciding whether you will employ them. You can’t, however, stop there. You must obtain written authorization prior to […]

We’d like to take a moment to reiterate something you shouldn’t do when screening applicants. Don’t encumber your disclosure document with extraneous information. The Federal Trade Commission (FTC) has written in their guidance for employers: Tell the applicant or employee that you might use information in their consumer report for decisions related to their employment. […]

THE IMPORTANCE OF DISCLOSURE AND AUTHORIZATION:  WHAT EVERY BUSINESS OWNER NEEDS TO KNOW  Criminal background checks are a common practice in today’s business world and can be a useful tool that allows an employer to determine that prospective employees meet specific standards which he or she has deemed acceptable for the business. As a business […]