For employment decisions using a consumer report, what kind of consent is typically required?

• A. Verbal consent is sufficient.
• B. Written consent is typically required.
• C. No consent is required.
• D. Consent is only required if the employer is located in a certain state.

Answer: (B)

Written consent is required because the Fair Credit Reporting Act mandates that an employer obtain explicit written authorization from a job applicant before pulling a consumer report for employment decisions. This consent is usually obtained through a stand-alone written disclosure and authorization form provided to the applicant before the report is requested. Verbal permission isn’t sufficient, and the rule isn’t limited to certain states—the requirement is national, with any additional state laws adding to the process. This written authorization protects the applicant’s privacy and ensures they are aware that a background check may be used in making employment decisions.