FCRA Adverse Action Notice: Landlord Checklist

1. Have a permissible purposeA legitimate business need for a transaction the applicant started (1681b(a)(3)(F)(i)); certify housing use only.
2. Keep your written screening criteriaShow the decision followed the same standard you apply to everyone.
3. Note the agency's contact detailsName, address and phone number, plus its toll-free number if it is a nationwide agency (1681m(a)(3)(A)).
4. Check if the action is adverseDenial, a co-signer, a deposit others would not pay, or higher rent are all adverse under the FTC's guidance.
5. Check if the report played any partThe duty applies when the action is based in whole or in part on the report (1681m(a)), even a small part.

+8 more items in the full checklist