FCRA Compliance

DISA helps employers stay FCRA compliant by supporting required disclosures, authorizations, and adverse action notices—ensuring fair, legal background screening practices.

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Fair Credit Reporting Act (FCRA) Compliance Requirements

The Fair Credit Reporting Act (FCRA) is United States Federal legislation that regulates the collection of credit information, as well as access to credit reports. This also helps ensure the fairness, accuracy, and privacy of personal information that is collected through credit reporting agencies.

When running background checks, businesses must abide by the rules of the Fair Credit Reporting Act (FCRA). In order to be compliant, the FCRA requires that an employer meet the following:

Permissible Purpose

An approved reason under the FCRA to conduct a background investigation (e.g., credit, employment, tenant screening, insurance, government license, child support enforcement, or court order)

Disclosure

Before ordering a background check, employers must provide disclosure in a clear and conspicuous written document.

Authorization

The employer must obtain written authorization from the candidate, consenting to perform a background check.

Adverse Action

Employers must follow the adverse action process before denying employment based upon the background report.

Despite it being the law, many companies fail to send adverse action notices.

It’s important that your HR and compliance department remain up-to-date on all hiring requirements and procedures to avoid violations and/or lawsuits.

What DISA Provides

DISA Global Solutions’ background check services assists employers with remaining FCRA compliant, as it relates to adverse action. DISA provides our corporate clients with three adverse notice** email notifications, which include:

Pre-adverse notice
Summary of rights under the FCRA
Copy of the background report
Adverse notice** (required only if employment is denied based solely on the background check).

**For those who are enrolled in DISA’s consortium (site access) program, we will directly mail the applicant the adverse action letter.

Explore DISA Services

Background Check Offerings

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Pre-Employment Background Checks

DISA’s pre-employment background checks offer configurable, compliant screening solutions to help employers hire confidently and meet industry standards.

Criminal Background Check

DISA’s criminal background checks help employers hire safely by uncovering county, state, and federal records—reducing risk and ensuring workplace security.

Civil Background Checks

(Federal & County) - DISA’s civil background checks reveal lawsuits, judgments, and liens to help employers assess risk, prevent liability, and make informed hiring decisions.

SSN Validation

DISA’s SSN Validity Check flags fraudulent Social Security numbers, helping reduce identity fraud and ensure applicants provide valid, SSA-issued SSNs.

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Employment Verification

DISA’s employment verifications confirm an applicant’s job history, helping employers ensure accuracy, assess trustworthiness, and make informed hiring decisions.

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I-9 & E-Verify

DISA’s I-9 & E-Verify solution streamlines workforce compliance with flexible, remote verification tools—ensuring fast, accurate employment eligibility checks.

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State Driving Records

DISA’s State Driving Record checks verify license status and driving history, helping employers ensure safe, qualified hires for transportation and driving-related roles.

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Professional Licenses & Credentials

DISA’s professional license verifications confirm certifications directly with accrediting bodies, ensuring applicants are properly licensed, qualified, and free of disciplinary actions.

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Credit Reports

DISA’s credit report checks support sensitive hiring decisions by verifying financial responsibility for roles with access to confidential data, cash, or fiduciary duties.

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Adverse Action Notices

DISA supports FCRA compliance by helping employers issue required adverse action notices—ensuring candidates are informed and given a chance to dispute background check results.

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Personal Reference Verification

DISA’s personal reference verifications provide insight into an applicant’s character, skills, and fit—helping employers make confident, informed hiring decisions.

Government Sanctions Lists

(OFAC/Patriot Act) - DISA’s government sanctions list checks, also known as Patriot Act searches, screen applicants against global watchlists to ensure compliance and prevent hiring prohibited individuals.

Sex Offender Search

DISA’s sex offender searches check state and national registries to help employers identify registered offenders—critical for roles in education, healthcare, finance, and more.

DOT Testing Records

DISA’s DOT testing records service helps employers meet compliance by retrieving drug and alcohol test histories for safety-sensitive roles—ensuring safe, qualified hires.

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Financial Due Diligence

DISA’s Financial Due Diligence services deliver in-depth, courthouse-sourced investigations to uncover financial risks—protecting your company’s reputation and investment decisions.

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Education Verification

DISA’s education verification confirms degrees, dates, and credentials with schools or databases—helping employers ensure applicants meet job qualifications and hiring standards.

For Every Size Business & Industry In One Easy-To-Use Platform

Employment Screening

DISA is easily configurable to fit the way your company recruits. Whether you're a large company managing screening for multiple locations, or a small business needing to run a background check occasionally, we've got you covered.