Requires written authorization before obtaining a tenant background or credit report; mandates adverse-action notice when denying based on a report.
Requires written authorization before obtaining a tenant background or credit report; mandates adverse-action notice when denying based on a report.
Notice must include the source of the report, the applicant's right to a free copy within 60 days, and the right to dispute inaccuracies.
Statutory damages $100–$1,000 per violation; punitive in willful cases.
Enforced by: FTC; CFPB
https://www.ftc.gov/legal-library/browse/statutes/fair-credit-reporting-act