• Services Overview
• Pre-Employment Screening
• Resident Screening
• Volunteer Screening
• Consumer Credit Reports
• Compliance Resources
• FAQ's

As a value added service to our customers, the following information concerning the use of background screening reports has been provided. Please note that every state has additional laws that govern the use of consumer reports. Please know and be familiar with your state's laws.

Information for Businesses

• FTC Business Alert-Disposing of Consumer Report Information
• FTC Business Alert-Requirement for Financial Institutions
• FTC Facts for Business-Complying with the Safeguards Rule
• FTC Facts for Business-Information Compromise & Guidance for Businesses
• FTC Facts for Business-Providing Records to Identity Theft Victims
• FTC Facts for Business-What Landlords Need to Know
• FTC Notice to Users of Consumer Reports
• FTC Using Consumer Reports-What Employers Need to Know
• Schematic of FCRA Requirments - Process Flowchart
• OFAC Compliance FAQ's

  Basic steps to OFAC compliance
  
  If a transaction is taking place by someone one the SDN list:

  1. Company must determine if the individual is subject to OFAC actions.
  2. Company should call OFAC to verify that the hit is not a false positive first.
  3. Company must block the asset or reject the transaction.
  4. Company must file a SAR report within 10 days to OFAC.

  What is the SDN List?
  SDN stands for Specially Designated Nationals and BLocked Persons, and is a database maintained by OFAC and the U.S. Treasury. This list consists of individuals and entities that are subject to the sanctions programs of the OFAC.
  
  What is a SAR report and when do I need to fill one out?
  OFAC compliance involves the use of a Suspicious Activity Report (SAR). If you are aware of, or observe, suspicious activity involving an individual on the OFAC list, you are required to fill out a SAR.
  
  Can I tell the customer they are on the OFAC list?
  You are permitted to inform the customer they are on the OFAC list, and that is the reason their assets were blocked or transaction rejected.
  
  How long do I need to keep OFAC records?
  OFAC-affected transactions must be kept for five years and made available to OFAC on request.
  
  What is the punishment for OFAC non-compliance?
  Failure to comply with OFAC can result in fines up to $1 million and 12 years in prison.

Information for Consumers

• FTC Facts for Consumers-Credit & Your Consumer Rights
• FTC Facts for Consumers-How to Dispute Credit Report Errors
• FTC Facts for Consumers-Your Access to Free Credit Reports
• FTC Remedying the Effects of Identity Theft
• FTC Summary of Consumer Rights Under FCRA
• State Security Freeze Laws

Additional Resources

• Fair Credit Reporting Act