FCRA — Fair Credit Reporting Act · vFair Credit Reporting Act (…

FCRA — Fair Credit Reporting Act

FCRA — Fair Credit Reporting Act — 88% of in-scope requirements covered.

6 requirements · 4 in scope (3 enforced · 1 designed) · 2 out-of-scope (outside KYE™’s authority layer). The 88% is weighted over the in-scope base.

Source: https://www.consumerfinance.gov/rules-policy/regulations/1022/ (FCRA 15 U.S.C. §1681; Regulation V, 12 C.F.R. Part 1022) · License: FCRA / Regulation V are US federal law / a US government regulation in the public domain; the KYE™ registry paraphrases each requirement's intent and cites the official section identifier for mapping purposes only.

By category

CategoryReqsEnforcedDesignedAdvisoryDeferredCoverage
Credit-report use authority at the decision boundary 1 1 0 0 0 100%
Adverse-action-on-report notice (specific reasons + agency identity) 1 1 0 0 0 100%
Consumer-report data accuracy & furnisher disputes 1 0 0 0 0 0%
Employment / tenant consumer-report use authority 1 1 0 0 0 100%
Employment pre-adverse-action two-step notice 1 0 1 0 0 50%
Consumer-report data disposal 1 0 0 0 0 0%

Every requirement → the KYE™ artefact that enforces it

IDTitleStatusKYE™ enforcement
fcra.credit-report-use-authority Use of a consumer report to drive a credit decision executes only under a recorded named-authority decision with a permissible purpose enforced rule_packs: kye:rule-pack:agentic-lending
engines: internal, internal
audit_events: kye.purpose.request.v1, kye.purpose.admissibility.v1
constitution_refs: constitution/12-PURPOSE-PERMISSION.md
fcra.adverse-action-on-report-notice An adverse action based in whole or in part on a consumer report carries a Decision Map™ identifying the report's contribution and the reporting agency, bound to a contestability route (15 U.S.C. §1681m(a)) enforced rule_packs: kye:rule-pack:agentic-lending
engines: internal
audit_events: kye.evidence.decision_map.v1, kye.evidence.pack.v1
constitution_refs: constitution/13-RESILIENCE-LOOP.md, constitution/61-RIGHTS-DISPUTES-DISCLOSURE-RAIL.md
fcra.report-accuracy-and-furnisher-disputes The accuracy of the consumer-report contents and the furnisher / reinvestigation dispute obligations are determined and discharged out-of-scope (no enforcement cited)
fcra.employment-report-permissible-purpose-and-disclosure Procuring or acting on a consumer report for employment executes only under a permissible purpose with the clear disclosure + written authorization recorded (15 U.S.C. §1681b(b)(1)-(2)) enforced rule_packs: kye:rule-pack:consumer-reporting
dictionaries: internal
engines: internal, internal
audit_events: kye.purpose.request.v1, kye.purpose.admissibility.v1
constitution_refs: constitution/12-PURPOSE-PERMISSION.md
fcra.pre-adverse-action-notice A report-driven employment adverse action is held until the pre-adverse-action step (copy of the report + summary of rights) is recorded before the adverse action stands (15 U.S.C. §1681b(b)(3)) designed engines: internal, internal
audit_events: kye.evidence.decision_map.v1, kye.evidence.pack.v1
constitution_refs: constitution/13-RESILIENCE-LOOP.md, constitution/61-RIGHTS-DISPUTES-DISCLOSURE-RAIL.md
fcra.disposal-of-consumer-report-data Proper disposal of consumer-report information after use (15 U.S.C. §1681w / Disposal Rule) out-of-scope (no enforcement cited)