Volume 4, Edition 4, April 2008

This Month’s Challenge is sponsored by:

eDirect Mail Campaigns


Congratulations! You chose the correct answer.

ANSWER: (c) Generally, providing a consumer with a copy of his or her report is done by the end-user if it takes adverse action. However, there are a few situations where a CRA must also provide a report to a consumer. First, under the Free Annual File Disclosure rule in the FCRA, 15 U.S.C. Sec.1681j, a "Nationwide Specialty Consumer Reporting Agency," which is most CRAs who service tenant or employer clients on a national basis, must provide a free annual file disclosure (not just a copy of a consumer report) to a consumer once annually upon that consumer's request. Furthermore, a NSCRA must also have a system in place whereby a consumer can call a toll-free number to request such a report. Additionally, if a CRA contracts with an end-user that the CRA will provide background reports to those consumers who check a box on the disclosure (as some laws require--MN, OK, and CA), then the CRA must provide a copy of the report at no cost to the consumer. As a best practice, a CRA will want to provide a copy of the consumer report to the consumer any time he or she requests it.

Question #5

When must a CRA provide a copy of a consumer report to a consumer?

a) Never, this is the end-user's responsibility

b) When an end-user requests that a CRA do so

c) b and d

d) Once annually


Disclaimer Statement: All information presented is for information purposes only and is not intended to provide professional or legal advise regarding actions to take in any situation. Advertisements are presented for information and marketing purposes only and the National Institute for Prevention of Workplace Violence, Inc. makes no representations for any products or services that are promoted and accepts no responsibility for any actions or consequences that occur as a result of any purchases from advertisers.