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.

FCRA: requirement → the KYE™ artefact that enforces it

Demo data

You learn: Which requirements KYE™ enforces at runtime and with which artefact. You can: Walk the requirements.

  1. credit-report-use-authority · enforced

    Use of a consumer report to drive a credit decision executes only under a recorded named-authority decision…

    Rule packs: kye:rule-pack:agentic-lending · Audit events: kye.purpose.request.v1, kye.purpose.admissibility.v1 · Constitution: 12 purpose permission

  2. adverse-action-on-report-notice · enforced

    An adverse action based in whole or in part on a consumer report carries a Decision Map™ identifying the…

    Rule packs: kye:rule-pack:agentic-lending · Audit events: kye.evidence.decision_map.v1, kye.evidence.pack.v1 · Constitution: 13 resilience loop, 61 rights disputes disclosure rail

  3. employment-report-permissible-purpose-and-disclosure · enforced

    Procuring or acting on a consumer report for employment executes only under a permissible purpose with the…

    Rule packs: kye:rule-pack:consumer-reporting · Audit events: kye.purpose.request.v1, kye.purpose.admissibility.v1 · Constitution: 12 purpose permission

  4. pre-adverse-action-notice · designed

    A report-driven employment adverse action is held until the pre-adverse-action step (copy of the report +…

    Audit events: kye.evidence.decision_map.v1, kye.evidence.pack.v1 · Constitution: 13 resilience loop, 61 rights disputes disclosure rail

  5. report-accuracy-and-furnisher-disputes · out-of-scope

    The accuracy of the consumer-report contents and the furnisher / reinvestigation dispute obligations are…

    (no enforcement cited)

  6. disposal-of-consumer-report-data · out-of-scope

    Proper disposal of consumer-report information after use (15 U.S.C. §1681w / Disposal Rule)

    (no enforcement cited)

How this widget is built
Demonstrates
KYE™ Compliance Mapping Rail™
Components
  • Framework requirement (clause)
  • Coverage status
  • KYE™ enforcement artefact (event, decision-record field, Evidence Pack™ entry)
Flow
Clause → status → the KYE™ artefact that enforces it, enforced requirements first. Architecture diagram
Used on

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 boundary11000100%
Adverse-action-on-report notice (specific reasons + agency identity)11000100%
Consumer-report data accuracy & furnisher disputes100000%
Employment / tenant consumer-report use authority11000100%
Employment pre-adverse-action two-step notice1010050%
Consumer-report data disposal100000%

Every requirement → the KYE™ artefact that enforces it

IDTitleStatusKYE™ enforcement
fcra.credit-report-use-authorityUse of a consumer report to drive a credit decision executes only under a recorded named-authority decision with a permissible purposeenforcedrule_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-noticeAn 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))enforcedrule_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-disputesThe accuracy of the consumer-report contents and the furnisher / reinvestigation dispute obligations are determined and dischargedout-of-scope(no enforcement cited)
fcra.employment-report-permissible-purpose-and-disclosureProcuring 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))enforcedrule_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-noticeA 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))designedengines: 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-dataProper disposal of consumer-report information after use (15 U.S.C. §1681w / Disposal Rule)out-of-scope(no enforcement cited)

Canonical KYE™ surfaces referenced on this page: KYE Protocol™.