The FCRA requires that any user of a consumer report must have a legally permissible purpose for using the report, such as:

• A. As a response to a federal grand jury subpoena
• B. Employment
• C. Insurance
• D. All of the above

Answer: (D)

The main concept is that under the FCRA, a user may obtain and use a consumer report only for a legally permissible purpose. Each of the scenarios listed is a recognized permissible purpose: using the report in employment decisions (often with the consumer’s consent), responding to a federal grand jury subpoena or other lawful government process, and for insurance underwriting. Because every one of these situations qualifies as a permissible purpose, selecting all of the above best reflects the rule. It’s also worth noting that using a report without a permissible purpose or without required notices and consent would violate the FCRA.