​​​​​​​                          Ted Silva

Licensed Private Investigator

                WHAT  DO  GOVERNMENT  REGULATIONS....ACTUALLY   REGULATE?

                                                                                   ​


There are numerous  rules,  regulations  and policies from many  state and federal  agencies which significantly control the way background information can be used  when making hiring or housing decisions.  The Fair Credit Reporting Act, along with many other governmental agencies,  has multiple guidelines which must be followed during all vetting procedures by landlords and employers. Individuals with disabilities or individuals in protected classes have specific rights that must be clearly understood. We, as a "CRA" (consumer reporting agency) are careful to follow these  guidelines  that are intended to protect against discrimination, while still gathering the critical facts you need to make safe, informed, and reasonable decisions for your business.


For further information please check the following web sites listed.

The Fair Credit Reporting Act (FCRA) vendor and employer requirements.

                For more information copy and paste the web-site below:
https://www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.

Fair and Accurate Credit Transaction (FACT) Act

               For more information copy and paste the web-site below:

https://www.ftc.gov/enforcement/statutes/fair-accurate-credit-transactions-act-2003


Federal Trade Commission regulations

               For more information copy and paste the web-site below:

https://www.ftc.gov/


State laws and regulations requiring specific documents

               For more information copy and paste the web-site below:

www.mass.gov/courts/case-legal-res/law-lib/laws-by-subj/about/hiring.html

The Driver’s Privacy Protection Act (DPPA)

                For more information copy and paste the web-site below:

www.accessreports.com/statutes/DPPA1.htm

The Gramm-Leach-Bliley Act (GLBA)

                 For more information copy and paste the web-site below:

https://www.ftc.gov/tips-advice/business-center/privacy.../gramm-leach-bliley-act

The Equal Employment Opportunity Commission

                For more information copy and paste the web-site below:

https://www.eeoc.gov/


Fair Housing Act

                For more information copy and paste the web-site below: 

https://portal.hud.gov/hudportal/HUD?src=/program_offices/fair_housing_equal_opp/FHLaws/yourrights