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Federal law requires an adverse action notice, and employers are directed to coordinate with HR/Legal to ensure compliance with federal, state, and local “ban the box” or fair chance requirements. The guidance covers sending a pre-adverse action notice, providing the consumer report and summary of FCRA rights, allowing 5 business days to dispute, handling disputes through an investigation with a 30-day review period, and issuing a final adverse action notice if the decision still proceeds.",{"@graph":63,"@context":118},[64,80,101],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":41,"@type":70,"position":76},"https://docshare.wps.com/template/letters/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/adverse-action-steps-and-notice-requirements/276148/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/adverse-action-steps-and-notice-requirements/276148.png","ImageObject",442,249,{"name":88,"@type":89},"\tWilliam","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-10-28","2026-09-15",true,{"@type":98,"interactionType":99,"userInteractionCount":30},"InteractionCounter",{"@type":100},"ViewAction",{"@type":102,"mainEntity":103},"FAQPage",[104,110,114],{"name":105,"@type":106,"acceptedAnswer":107},"When is an adverse action notice required for employment decisions?","Question",{"text":108,"@type":109},"An adverse action notice is required when an employment decision to deny an applicant or dismiss an employee is based on information found in a consumer report.","Answer",{"name":111,"@type":106,"acceptedAnswer":112},"What must be included with the pre-adverse action notice?",{"text":113,"@type":109},"The pre-adverse action notice should include a copy of the background check report and a summary of the applicant’s FCRA rights.",{"name":115,"@type":106,"acceptedAnswer":116},"How long does the investigation review period last if the applicant disputes information?",{"text":117,"@type":109},"C4 Operations begins an investigation and there is a 30-day review period during the investigation.","https://schema.org",{"og:url":78,"og:type":120,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":122,"canonical":78},"index,follow",{"doc_id":124,"site_id":56},276148,1790251560,{"code":4,"msg":5,"data":127},{"doc_id":124,"user_id":128,"nickname":88,"user_avatar":129,"doc_module":9,"category_id":40,"category_name":41,"doc_title":59,"doc_description":61,"doc_content":130,"file_id":131,"file_url":132,"file_type":133,"file_size":134,"view_count":30,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":9,"language":135,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":136,"faqs":137,"seo_title":138,"seo_description":61,"update_tm":139,"read_time":4},5909887254083,"https://ap-avatar.wpscdn.com/davatar_276721f389ce27ea32af1340a28f341c","Adverse Action  \nIf an employment decision is made to turn down an applicant or dismiss an employee based on  \ninformation found in a consumer report, federal law requires furnishing that information in a document known as an adverse action notice. *The steps below outline the adverse actions steps.  \nPlease consult with your HR/Legal to ensure compliance with all federal and state laws. Please note that some employers may be subject to additional adverse actions notification requirements under your state and local fair chance or ban the box laws designed to reduce hiring discrimination against ex-offenders. Be sure to consult your HR/Legal for any additional steps not included below:  \n1. Send Pre-Adverse Action Notice. C4 Operations has a sample of this notice. *This can be found  \non the report under \"Disclosures and Forms\" . Look for the red triangle! This notice also includes a copy of the background check report and a summary of the applicants FCRA rights. Allow the applicant 5 business days to receive, view, and dispute any inaccurate information. If the applicant does NOT dispute the information reported in the consumer report, send final notice of adverse action denial letter or Withdrawal of Offer Adverse Action letter depending on your state requirements.  \nIf the applicant disputes any information in the consumer report please notify C4 Operations and have your applicant contact C4 Operations immediately. C4 Operations will begin an investigation. There is a 30 day review period during this investigation. C4 Operations will notify you and the applicant of any changes or updated information.  \nIf after considering the candidate's response and any corrections to the consumer report, if you still decide against hiring, the employer must issue an adverse action that explains your decision. This notice may be delivered in hard copy form or electronically. You can see C4 Operations sample adverse action under Disclosures and Forms.  \nQUESTIONS? WE ARE AVAILABLE 2 4 / 7 ! ADMIN @ C 4 OPERATIONS . COM | 8 8 8-5 19-6 2 8 3  \n2.  \n3.  \n4.  \n5.","cbCaijPyacgAs7aC","https://ap.wps.com/l/cbCaijPyacgAs7aC","pdf",1185237,"English","# Adverse Action Notice Requirements\n## Pre-adverse action notice\n## Dispute handling and investigation\n## Final adverse action decision notice","[{\"question\":\"When is an adverse action notice required for employment decisions?\",\"answer\":\"An adverse action notice is required when an employment decision to deny an applicant or dismiss an employee is based on information found in a consumer report.\"},{\"question\":\"What must be included with the pre-adverse action notice?\",\"answer\":\"The pre-adverse action notice should include a copy of the background check report and a summary of the applicant’s FCRA rights.\"},{\"question\":\"How long does the investigation review period last if the applicant disputes information?\",\"answer\":\"C4 Operations begins an investigation and there is a 30-day review period during the investigation.\"}]","Adverse Action - Steps and Notice Requirements | PDF",1789491630]