FCRA Compliance
ScreenAI is fully compliant with the Fair Credit Reporting Act (FCRA). Here is what that means for landlords and applicants.
What is the FCRA?
The Fair Credit Reporting Act is a federal law that regulates how consumer reporting agencies collect, share, and use consumer information. It applies to tenant screening because background checks and credit reports are considered consumer reports. The law protects both landlords (who need accurate data) and applicants (who have the right to dispute inaccurate information).
Your Obligations as a Landlord
When you use ScreenAI to run tenant screening reports, you are required to:
- Have a permissible purpose for requesting the report (evaluating a rental application)
- Obtain written consent from the applicant before running the screening
- Provide a pre-adverse action notice if you intend to deny the application based on the report
- Provide a final adverse action notice with a copy of the report and a summary of rights
- Not discriminate based on race, color, national origin, religion, sex, familial status, or disability
How ScreenAI Helps
Our platform includes built-in tools to help you stay compliant:
- FCRA-compliant consent forms are built into the applicant invitation flow
- Adverse action letter templates are provided in the dashboard
- All screening data is encrypted (AES-256 at rest, TLS 1.3 in transit)
- Applicant dispute process is supported through our screening partners
Applicant Rights
Under the FCRA, applicants have the right to know if a report was used to deny their application, to receive a free copy of the report, and to dispute any inaccurate information. If you are an applicant and believe information in your screening report is incorrect, contact us at support@screenai.us or call (888) 877-8501.