FCRA §1681m
mandatory
Adverse-action notice identifying the source
When a decision uses a third-party consumer report or score, provide an adverse-action notice identifying the source and the consumer rights.
Regulation
Fair Credit Reporting Act (FCRA)
USA — CFPB / FTC (FCRA) · USA (consumer reports) · Law
This page is a plain-English summary written by us, not legal advice — the official text is linked above. Our catalogue was last reviewed 2026-08-15; that is a review of the whole catalogue, not an independent legal verification of this entry.
Authority
USA — CFPB / FTC (FCRA)
Jurisdiction
USA (consumer reports)
Type
Law
Status
In force
Maximum penalty
CFPB / FTC enforcement; private right of action
Catalogue reviewed
2026-08-15
Official source checked
2026-08-23 — unchanged since our last read
Official text
Status
In force. Third-party AI-generated scores (credit, tenant, background) can themselves be "consumer reports", triggering accuracy and adverse-action duties.
Requirements (2)
FCRA §1681e(b)
mandatory
Maximum possible accuracy
Consumer-reporting activity (incl. AI-derived scores that function as consumer reports) must follow reasonable procedures to assure maximum possible accuracy.
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