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It also clarifies regulatory and privacy frameworks through terms such as the Fair Credit Reporting Act context, Consumer Reporting Agency (CRA), DPPA, and related identifiers (DLN, DOB), plus supporting HR metrics like cost-per-hire and verification methods for education and employment.",{"@graph":63,"@context":111},[64,80,102],{"@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/compliance-and-general-background-screening-terms/276962/",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/compliance-and-general-background-screening-terms/276962.png","ImageObject",442,249,{"name":88,"@type":89},"Marry","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-10-19","2026-09-15",true,{"@type":98,"interactionType":99,"userInteractionCount":101},"InteractionCounter",{"@type":100},"ViewAction",9,{"@type":103,"mainEntity":104},"FAQPage",[105],{"name":106,"@type":107,"acceptedAnswer":108},"What qualifies a company as a Consumer Reporting Agency (CRA)?","Question",{"text":109,"@type":110},"A CRA is a background screening company as defined by the FCRA that, for fees or on a cooperative nonprofit basis, regularly assembles or evaluates consumer credit or other information to furnish consumer reports to third parties.","Answer","https://schema.org",{"og:url":78,"og:type":113,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":115,"canonical":78},"index,follow",{"doc_id":117,"site_id":56},276962,1790623367,{"code":4,"msg":5,"data":120},{"doc_id":117,"user_id":121,"nickname":88,"user_avatar":122,"doc_module":9,"category_id":40,"category_name":41,"doc_title":59,"doc_description":61,"doc_content":123,"file_id":124,"file_url":125,"file_type":126,"file_size":127,"view_count":101,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":47,"language":128,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":129,"faqs":130,"seo_title":131,"seo_description":61,"update_tm":132,"read_time":73},5909892079670,"https://ap-avatar.wpscdn.com/davatar_276721f389ce27ea32af1340a28f341c","Adverse Action – A negative employment action such as not hiring an applicant; not promoting or not retaining an employee.  \nAdverse Action Letters – The Fair Credit Reporting Act requires that candidates receive advance notice, called a “pre-adverse action letter,” if a credit, housing, or hiring decision might be based on information from a background check. An “adverse action letter” is required when a candidate has been declined based on a background screening. An adverse action letter must identify the company that provided the background report, as well as a way to contact the provider.  \nAntitrust Acts or Laws – Laws to protect trade and commerce from unlawful practice.  \nApplicant – The subject of the inquiry, a job applicant or current employee who is the subject of an employment verification or reference.  \nApplicant Tracking System (ATS)– Any system, whether in paper or software form, that manages both an organization’s job posting and data collection (i.e., resume/applications) process to efficiently match prospective candidates to the proper positions.  \nAuthorization – Obtaining written permission from the applicant/employee for the background investigation tobe conducted.  \nBackground Check – The process of looking up and compiling criminal records, commercial records and financial records of an individual or an organization.  \nBackground Investigation – Another term for background report or background check.  \nConditional Job Offer – A job offer extended on the condition that an employee passes a background check. This allows companies to hire before receiving screening results.  \nConsumer – The person who is the subject of the background report; the person who is seeking employment, retention, or promotion by an employer.  \nConsumer Report – Under the FCRA, one of two official names for a background report. The other name is“investigative consumer report.” Most often the distinction between a “consumer report” and an “investigative consumer report” is that a “consumer report” contains only factual information while an “investigative consumer report” contains some opinions. Example– “Was s/he employed by your company?” This calls for afactual response.“How did s/he perform on the job?” This calls for an opinion.  \nConsumer Reporting Agency (CRA)– Another name for a background screening company as defined by the Fair Credit Reporting Act (FCRA) . Any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.  \nCost-per-hire – A common measure used in human resources to evaluate the average costs incurred in recruiting and hiring new employees. Generally the equation is total recruitment costs divided by total number of new hires. Typical components of this measure include relocation costs, advertising/job board fees, interviewing expenses, referral bonuses, recruitment staff compensation, skills assessment and pre-employment screening.  \nCRA – Consumer Reporting Agency.  \nDisclosure – Refers to the document and the process of informing an applicant/employee that he/she will be the subject of a background report.  \nDLN – Driver’s License Number.  \nDMV – Department of Motor Vehicle.  \nDOB – Date ofBirth.  \nDPPA – Drivers Privacy Protection Act of 1994. A US federal statute governing the privacy and disclosure of personal information gathered by state Departments of Motor Vehicles.  \nDriver’s License Abstract – Search of the state Bureau of Motor Vehicle records for driver information including status, accidents, suspensions and violations.  \nDue Diligence – A reasonable and expected measure of attention taken for a particular action. Not measurable by an absolute standard, ","cbCair0vFM9i8JQ4","https://ap.wps.com/l/cbCair0vFM9i8JQ4","pdf",162130,"English","# Adverse Action and Letters\n## Adverse Action Letters\n# Core Screening Concepts\n## Background Check and Background Investigation\n## Authorization and Disclosure\n## Conditional Job Offer\n# Stakeholders and Definitions\n## Applicant and Consumer\n## Consumer Report and Investigative Consumer Report\n## Consumer Reporting Agency (CRA)\n# Privacy, Identification, and Compliance\n## DPPA and Electronic Signature\n## Driver’s License Abstract and Identifiers\n## EEOC and Equal Employment Opportunity\n# Verification and HR Processes\n## Education Verification\n## Employment Verification\n## Cost-per-hire\n## Due Diligence","[{\"question\":\"What qualifies a company as a Consumer Reporting Agency (CRA)?\",\"answer\":\"A CRA is a background screening company as defined by the FCRA that, for fees or on a cooperative nonprofit basis, regularly assembles or evaluates consumer credit or other information to furnish consumer reports to third parties.\"}]","Compliance and General Background Screening Terms | PDF",1789496607]