Everyone knows that when applying for a mortgage or other credit product, the lender will likely review a consumer's credit report. However, the Fair Credit Reporting Act (FCRA) imposes stringent requirements on employers conducting background checks as well as on persons using consumer reports to make decisions about medical care, insurance, bank accounts, apartment rentals, and the sale of a variety of products or services (cell phones, cable TV, streaming services, utilities, etc.). In fact, the list is just about endless. A high credit score is even becoming an important factor for dating services!

In this webinar, we will:

  • Provide an overview of the FCRA provisions that apply to the hiring process and to other non-credit uses of credit reports;

  • Discuss background screening companies and other specialty consumer reporting agencies and how they differ from the "Big 3" credit bureaus;

  • Review the regulatory guidance issued by the CFPB and FTC addressing specific types of non-credit uses, including employment, opening deposit accounts and tenant screening; and

  • Summarize recent enforcement actions by the CFPB and FTC as well as key cases involving claims against companies using credit reports in non-credit situations.

Date & TIme

Tuesday, October 17, 2017
12:00 PM - 1:00 PM ET


Alan S. Kaplinsky
Practice Leader
Consumer Financial Services


John L. Culhane, Jr.
Consumer Financial Services

Meredith Swartz Dante
Labor and Employment

Kim Phan
Consumer Financial Services

This program is open to Ballard Spahr clients and prospective clients. There is no cost to attend. This program is not eligible for continuing education credits.

Please register at least two days before the webinar. Login details will be sent to all approved registrants. For more information, contact Dan Martin martind@ballardspahr.com.