FCRA Obligations

HomeReady™ SaaS Platform

Notice to Users of Consumer Reports: Obligations of Users Under the FCRA

The Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681–1681y, requires that the notice below be provided to users of consumer reports to inform them of their legal obligations. It is published by the Consumer Financial Protection Bureau (CFPB) and is reproduced here without modification.

This is the “FCRA Obligations Page” referenced in the HomeReady™ Terms of Service and Privacy Policy. Those documents delegate FCRA disclosure, authorization, certification, permissible-purpose, and adverse-action obligations to this notice and to the separate FCRA forms that apply to screening-related services.

View the FCRA Notice (PDF, 9 pages)

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Further information

The full text of the FCRA is available at the CFPB’s website at www.consumerfinance.gov/learnmore. State law may impose additional requirements. Users must consult the relevant provisions of the FCRA for details about their obligations under the FCRA.

This page is informational and is not legal advice. HomeReady does not guarantee compliance with the FCRA or any other law; as stated in the Terms of Service, determining permissible purpose and providing all required disclosures, authorizations, certifications, and adverse-action notices remain the responsibility of the user or organization conducting screening.