---
title: "ICRAA — California Investigative Consumer Reporting Agencies Act — KYE Protocol™ coverage"
description: "ICRAA — California Investigative Consumer Reporting Agencies Act coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact that enforces it."
url: https://kyeprotocol.com/compliance/icraa/
lang: en
source: "KYE Protocol"
---

> ICRAA — California Investigative Consumer Reporting Agencies Act coverage by KYE Protocol™ — every requirement bijection-mapped to the KYE™ artefact that enforces it.

ICRAA — California Investigative Consumer Reporting Agencies Act

# ICRAA — California Investigative Consumer Reporting Agencies Act — 88% of in-scope requirements covered.

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

**Source:** California Investigative Consumer Reporting Agencies Act, Cal. Civ. Code §1786 et seq. (esp. §1786.12 permissible purpose, §1786.16 written notice + authorization + nature-and-scope disclosure, §1786.40 adverse action, §1786.10 accuracy, §1786.22/§1786.24 consumer copy + dispute). · **License:** ICRAA and the California Civil Code are public statutory works; the KYE™ registry paraphrases each requirement's intent and cites the statutory section for mapping purposes only.

## By category

| Category | Reqs | Enforced | Designed | Advisory | Deferred | Coverage |
| --- | --- | --- | --- | --- | --- | --- |
| Investigative-report use authority at the procurement/decision boundary | 1 | 1 | 0 | 0 | 0 | **100%** |
| California written notice + written authorization + nature-and-scope disclosure | 1 | 1 | 0 | 0 | 0 | **100%** |
| Adverse-action-on-investigative-report notice (reasons + agency identity) | 1 | 1 | 0 | 0 | 0 | **100%** |
| Consumer copy + dispute / reinvestigation route | 1 | 0 | 1 | 0 | 0 | **50%** |
| Investigative-report content accuracy & agency reinvestigation duties | 1 | 0 | 0 | 0 | 0 | **0%** |

## Every requirement → the KYE™ artefact that enforces it

| ID | Title | Status | KYE™ enforcement |
| --- | --- | --- | --- |
| `icraa.investigative-report-use-authority` | Procuring or acting on an investigative consumer report executes only under a recorded named-authority decision with a permissible purpose (Cal. Civ. Code §1786.12) | 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` |
| `icraa.written-consent-and-nature-scope-disclosure` | An investigative consumer report is not procured until the consumer's clear-and-conspicuous written notice, written authorization, and nature-and-scope disclosure are recorded (Cal. Civ. Code §1786.16) | enforced | **rule\_packs**: `kye:rule-pack:consumer-reporting` **dictionaries**: `internal` **engines**: `internal`, `internal` **audit\_events**: `kye.purpose.admissibility.v1`, `kye.evidence.decision_map.v1` **constitution\_refs**: `constitution/12-PURPOSE-PERMISSION.md`, `constitution/13-RESILIENCE-LOOP.md` |
| `icraa.adverse-action-notice` | An adverse action based in whole or in part on an investigative consumer report carries a Decision Map™ identifying the report's contribution and the named agency, bound to a contestability route (Cal. Civ. Code §1786.40) | enforced | **rule\_packs**: `kye:rule-pack:consumer-reporting` **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` |
| `icraa.consumer-copy-and-dispute-route` | The consumer's right to a copy of the investigative report and a dispute / reinvestigation route is bound to the decision as a contestability route (Cal. Civ. Code §1786.22 / §1786.24) | designed 1 unverified citation | **engines**: `internal` **audit\_events**: `kye.resilience.contestation.v1` unverified citation **constitution\_refs**: `constitution/21-DELEGATED-AUDITABILITY.md`, `constitution/61-RIGHTS-DISPUTES-DISCLOSURE-RAIL.md` |
| `icraa.report-accuracy-and-agency-reinvestigation` | The accuracy of the investigative-report contents and the agency's §1786.10 / §1786.24 reinvestigation duties are determined and discharged by the agency | out-of-scope | _(no enforcement cited)_ |

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