---
title: "FCRA — Fair Credit Reporting Act — KYE Protocol™ coverage"
description: "FCRA — Fair Credit Reporting Act coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact that enforces it."
url: https://kyeprotocol.com/compliance/fcra/
lang: en
source: "KYE Protocol"
---

> FCRA — Fair Credit Reporting Act coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact that enforces it.

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

| Category | Reqs | Enforced | Designed | Advisory | Deferred | Coverage |
| --- | --- | --- | --- | --- | --- | --- |
| 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

| ID | Title | Status | KYE™ 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)_ |

Canonical KYE™ surfaces referenced on this page: [KYE Protocol™](https://kyeprotocol.com/).