AI Governance Engineer
GitHub

FCRA: adverse-action notice with the credit score used

A user of a consumer report that takes adverse action gives notice, discloses the numerical credit score used and its key factors, names the reporting agency and states the right to a free report and to dispute

By Reviewed

From clause to evidenceThe chain from FCRA 15 U.S.C. 1681m(a) to its evidence record, in 6 steps; the text alternative lists them and the facts under the figure state each in full.Clause: Fair Credit Reporting Act (15 U.S.C. 1681m), 15 U.S.C. 1681m(a)ClauseFCRA15 U.S.C. 1681mDuty holder: Users of consumer reportsDuty holderUsers ofconsumer…Applies from: 2011-07-21 (In force)Applies from2011-07-21In forceArtefact: Score and key-factor record per adverse decision; notice templateArtefactScore andkey-factor…Layer: Layer 04 Runtime Controls & ObservabilityLayerLayer 04Runtime Controls& ObservabilityEvidence record: the common evidence record (Evidence record v1)Evidence recordEvidence recordv1Same topic elsewhere: no crosswalk topic files this clause yetAs of 2026-09-24 · illustrative, not a claim of conformity From clause to evidenceThe chain from FCRA 15 U.S.C. 1681m(a) to its evidence record, in 6 steps; the text alternative lists them and the facts under the figure state each in full.Clause: Fair Credit Reporting Act (15 U.S.C. 1681m), 15 U.S.C. 1681m(a)ClauseFCRA · 15 U.S.C. 1681mDuty holder: Users of consumer reportsDuty holderUsers of consumer reportsApplies from: 2011-07-21 (In force)Applies from2011-07-21 · In forceArtefact: Score and key-factor record per adverse decision; notice templateArtefactScore and key-factor record…Layer: Layer 04 Runtime Controls & ObservabilityLayerLayer 04Runtime Controls & ObservabilityEvidence record: the common evidence record (Evidence record v1)Evidence recordEvidence record v1Same topic elsewhere: no crosswalk topicfiles this clause yetAs of 2026-09-24illustrative, not a claim of conformity
From clause to evidence Build the artefact, then file every output it produces as a record that names AIGE-OBL-USFED-FCRA-1681M. Drawn from chapter 08.
Text alternative
  • Clause: FCRA, 15 U.S.C. 1681m.
  • Duty holder: Users of consumer reports.
  • Applies from: 2011-07-21, In force.
  • Artefact: Score and key-factor record….
  • Layer: Layer 04 Runtime Controls & Observability.
  • Evidence record: Evidence record v1.
  • Record schema: Evidence record.
  • No crosswalk topic files this clause yet.
When this obligation appliesThe date of AIGE-OBL-USFED-FCRA-1681M on a time axis, against its review date 2026-09-24.Earlier2024202620282030As of 2026-09-242011-07-21 · In forceCredit-score disclosure inforce since the designatedtransfer date, 2011-07-212011-07-21 · In force · Credit-score disclosure in force since the designated transfer date, 2011-07-21Source: Obligation register(chapter 08)
When this obligation appliesThe date of AIGE-OBL-USFED-FCRA-1681M on a time axis, against its review date 2026-09-24.2011-07-21 · In forceCredit-score disclosure in force since the designatedtransfer date, 2011-07-212024202620282030EarlierAs of 2026-09-242011-07-21 · In force · Credit-score disclosure in force since the designated transfer date, 2011-07-21Source: Obligation register (chapter 08)
When this obligation applies The first date in the row's status, then each later step: filled once its date has passed, outlined while it is still ahead of the review date.
Data table: the dates
Dates of AIGE-OBL-USFED-FCRA-1681M
DateStepDetail
2011-07-21In forceCredit-score disclosure in force since the designated transfer date, 2011-07-21
Id
AIGE-OBL-USFED-FCRA-1681M
Instrument
Fair Credit Reporting Act (15 U.S.C. 1681m) law
Clause
15 U.S.C. 1681m(a)
In scope
Users of consumer reports
Authority
CFPB and FTC
Applies from
In force · Credit-score disclosure in force since the designated transfer date, 2011-07-21

The artefact that evidences it

Score and key-factor record per adverse decision; notice template.

Patterns that build it

No pattern in the catalogue names this clause on its "Maps to" line yet; the artefact above is the engineering answer.

Source

Chapter 08, section Federal law that already reaches AI, checked against its sources on the review date above.

Machine-readable

Cite this obligation

García Aibar, J. (2026). FCRA: adverse-action notice with the credit score used (AIGE-OBL-USFED-FCRA-1681M). In AI Governance Engineering: The Thesis & Body of Knowledge (v0.5.0). https://doi.org/10.5281/zenodo.22956197. https://aigovernanceengineer.com/obligations/aige-obl-usfed-fcra-1681m. CC BY 4.0

BibTeX

@misc{aige2026obligation,
  author       = {Jorge García Aibar},
  title        = {{FCRA: adverse-action notice with the credit score used (AIGE-OBL-USFED-FCRA-1681M)}},
  howpublished = {In AI Governance Engineering: The Thesis \& Body of Knowledge},
  year         = {2026},
  version      = {0.5.0},
  doi          = {10.5281/zenodo.22956197},
  url          = {https://aigovernanceengineer.com/obligations/aige-obl-usfed-fcra-1681m},
  note         = {Version 0.5.0}
}