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Business Blog

Background checks? Don’t double-dip.

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Need to verify an applicant's employment or income history? Checking to see if a candidate has a criminal history or civil judgments? If you get information from a company that compiles it so you can...
Business Blog

New Identity Theft Report helps you spot ID theft

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Do you ever hear from customers or employees who want you to know that they’ve been affected by identity theft? If so, you’ll probably start seeing them use the new FTC Identity Theft Report. It tells...
Business Blog

Are you OK with the F-C-R-A?

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The Fair Credit Reporting Act isn’t just about credit. If your company uses background checks in making personnel decisions, the FTC reminds you of your obligations under the FCRA. In honor of...
Business Blog

Why 603(y) doesn’t apply

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Does your company use background checks in evaluating job applicants? If so, are you complying with the Fair Credit Reporting Act’s notice, consent, and disclosure requirements? A closing letter the...
Business Blog

Risky business

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No one is sliding across the living room floor in shades lip synching to Bob Seger, but violating the FTC’s Risk-Based Pricing Rule is risky business nonetheless. That’s the message of the FTC’s $1.9...
Business Blog

"Check" out the $3.5 million penalty in the latest FCRA case

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Here’s a newsflash: There’s a troubling amount of inaccurate information in people’s credit reports that can result in the denial of a job, a place to live, and even necessities like groceries and...
Business Blog

FCRA's Furnisher Rule: It's all about accuracy and integrity

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If you report information about consumers to consumer reporting agencies (CRAs) — like a credit bureau, tenant screening company, or check verification service — you have legal obligations under the...
Business Blog

Down in the dumps(ter)

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Every business generates paper destined for the circular file. But if documents contain sensitive information, don’t toss them out in a way that could invite unauthorized access. According to the FTC...
Business Blog

Trash Talking

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Some things you’d expect to find in a trash can: last night’s potato peelings, the casserole that looked so promising in the cookbook photo, and Oscar the Grouch. But if you run a business, the one...
Business Blog

Where HireRight Solutions went wrong

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Most job seekers are familiar with the basics: Wear a clean shirt, extend a firm handshake, and don’t ask about vacations in the first 10 minutes of the interview. But these days more businesses are...
Business Blog

In praise of Toby Flenderson

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HR could use better PR. Say "human resources" and some people think of Dunder Mifflin’s joy-deficient Toby Flenderson from "The Office." But you know better and appreciate the job your HR team does to...
Business Blog

Speaking of Spokeo: Part 3

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The terms of the FTC’s Spokeo settlement apply just to Spokeo, but that case and other recent law enforcement actions offer insights for a much broader audience. Consumer reporting agencies. Sure...
Business Blog

Speaking of Spokeo: Part 1

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Like chicken and waffles or ham and pineapple on pizza, some combos don’t sound like they’d go together, but make sense once you find out more. Put the FTC’s settlement with Spokeo on that list...
Business Blog

Watch what you're doing with time-barred debts

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Of course, people are responsible for their debts. However, at a certain point, how much time has passed becomes an affirmative defense under state law and creditors can’t prevail in court. But what...
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