¹ Inclusion of this document is a best practice. Satisfies legal requirements under the FCRA if a consumer later believes they have been the victim of identity theft or fraud.

² Seek legal counsel to determine which state specific requirements apply to your unique organization. Required by NY law to give copy to consumer at the time you request an investigative consumer report as well as any time a hit is revealed on a criminal report even if you won’t be taking adverse action.

³ Seek legal counsel to determine which state specific requirements apply to your unique organization.