12/5/25
Professional Background Screening Association
What Defines a Qualified Consumer Reporting Agency PBSA-member CRAs represent the gold standard in background screening, operating under stringent regulatory oversight and professional standards that protect both employers and applicants. Core Requirements and Standards: • Heavy regulation – Subject to oversight by the Federal Trade Commission (FTC) and Consumer Financial Protection Bureau (CFPB) • Full FCRA compliance – Adherence to all Fair Credit Reporting Act requirements and permissible purpose standards • Accuracy standards – Verification of data sources and maintenance of information quality protocols • Consumer protections – Dispute resolution processes, adverse action procedures, and applicant rights • Client education – Obligation to train employers on proper use and compliance requirements • Data integrity – Research and product standards ensuring reliable, current information • Service mandates – Required turnaround times and communication standards • Data security – Protection of sensitive personal information through encryption and access controls • Legal compliance – Adherence to both federal and state-specific regulations
thepbsa.org
21
Federal Oversight: Rulemaking and Enforcement
Three federal agencies maintain oversight of the background screening industry, each with distinct roles in protecting consumer rights and ensuring marketplace integrity.
Federal Trade Commission Enforces FCRA compliance, investigates violations, and issues guidance on proper implementation of consumer protection requirements.
Equal Employment Opportunity Commission Issues guidance on how background screening policies intersect with anti-discrimination laws, ensuring fair treatment across protected classes.
Consumer Financial Protection Bureau Supervises larger CRAs, conducts examinations, and has authority to take enforcement actions for FCRA violations and unfair practices.
Working with a compliant CRA ensures your organization benefits from a provider that operates under continuous regulatory scrutiny and maintains current knowledge of evolving requirements.
22
11
Made with FlippingBook - Online catalogs