CFPB Updates Summary of Rights, etc, Again

By Michael Klazema on 12/4/2012


Effective January 1, 2013, the Consumer Financial Protection Bureau (CFPB) has made updates to three items that the Federal Trade Commission previously created under the Fair Credit Reporting Act: the Summary of Rights, the Obligations of Users and the Obligations of Furnishers. These items have changed since our last communication in October.

The Summary of Rights, available at, is the document that explains to individuals what their rights are under the FCRA.  

The Obligations of Users, available at, details what your obligations are as the company that ordered a background check, including having permissible purpose, sending Adverse Action notifications, etc.

The Obligations of Furnishers, available at, details the obligations of CRAs like to our clients and their applicants.


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  • January 15 A viral news story at The Cleveland Clinic has reignited the debate over social media background checks. The hospital recently fired a medical resident with a history of anti-Semitic tweets.
  • January 10 To remain a competitive employment option for retail workers, Best Buy will begin offering childcare options for parents. 
  • January 07 The rise of the "gig economy" was rapid, and questions about safety for users of these new services grew along with the industry. Background check policies in the gig economy can be unclear or unevenly applied, leading to barriers for some seeking jobs.
  • January 04 A new service that offers background checks for babysitters has come under fire for racial bias, invasion of privacy, and non-compliance with FCRA requirements. Predictim has paused its launch due to controversy.
  • December 20 Trust between patient and practitioner is a critical part of a strong healthcare system. An investigation uncovered hundreds of doctors practicing in new locations after giving up their licenses following serious mistakes.
  • December 13

    As the food truck fad proves it has staying power, many local governments have looked for ways to protect their communities without constraining economic activity. The effort to strike the right balance is ongoing.

  • December 11 The Department of Health and Human Services Office of the Inspector General criticized a migrant youth detention center on the border for not running the proper background checks. Federal law requires the facility to screen all employees with FBI fingerprint checks.
  • December 11 What are education verification checks and why are they important? We look at why and how employers confirm the education histories of the people they hire.
  • December 06 In a bid to combat money laundering and illicit funding sources for terrorists flowing through the country's real estate sector, Singapore's government now mandates background checks for buyers purchasing properties prior to development.
  • December 04 What is a reference check? How does it vary from a work history check? We explore these questions and others.