| Correct!
The FCRA Summary of Rights must be included
as an enclosure by an end user with the "pre-adverse
action" notice and with the Disclosure and Authorization
any time an employer is seeking an "investigative consumer
reports." The Consumer Financial Protection Bureau
(CFPB) recently issued a revised FCRA Summary of Rights
form that must be used beginning in January 2013.
When
must the FCRA Summary of Rights be given for an employment
purpose?
(a)
Never.
(b)
The end user must give to the consumer if adverse employment
action is contemplated.
(c)
The end user with give it to the consumer with the disclosure
and authorization form if seeking an investigative consumer
report.
(d).
(b) and (c).
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