{
  "attribution": {
    "source": "legal.exploreworldai.com",
    "canonical": "https://legal.exploreworldai.com/us/agent/fcra/adverse-action",
    "cite_as": "NovaCopilot, legal.exploreworldai.com (https://legal.exploreworldai.com/us/agent/fcra/adverse-action)",
    "license": "https://legal.exploreworldai.com/revision",
    "version": "legal-2026-10-21",
    "fingerprint": "ewai:eu:278340",
    "proof": "sha256:51bac3d4347f0b985f10ec370392051ef0c1eb422ada469d5969d7abfcea52c1",
    "jurisdiction": "eu"
  },
  "brand_source": "Source: NovaCopilot",
  "layer": "us-agent-section",
  "agent": "fcra",
  "slug": "adverse-action",
  "title": "Requirements on users taking adverse action",
  "reference": "15 U.S.C. § 1681m",
  "scope": "Notice to the consumer when a report contributes to an adverse action.",
  "rule": "fair-credit-reporting-act",
  "identifier": "15 U.S.C. §§ 1681 to 1681x",
  "jurisdiction_scope": [
    "federal"
  ],
  "risk_dimensions": [
    "privacy",
    "financial",
    "hr"
  ],
  "tier": 2,
  "deterministic": true,
  "llm_used": false,
  "verdict_kind": "machine-classification",
  "official_source": "https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1681m&num=0&edition=prelim",
  "register_source": "https://uscode.house.gov/view.xhtml?req=granuleid%3AUSC-prelim-title15-chapter41-subchapter3&edition=prelim",
  "cited_by": [
    {
      "ruleId": "fcra-adverse",
      "code": "fcra-adverse",
      "title": "Underrättelse vid negativt beslut gäller",
      "titleEn": "The adverse action notice applies",
      "verdict": "risk",
      "audit": "KRAV_GÄLLER",
      "obligation": "15 U.S.C. § 1681m(a) kräver att den enskilde underrättas om det negativa beslutet, om upplysningsföretaget och om rätten att få en kopia och att bestrida uppgiften.",
      "obligationEn": "15 U.S.C. § 1681m(a) requires notice to the individual of the adverse action, of the consumer reporting agency and of the right to a copy and to dispute the information."
    }
  ],
  "checked_at": "2026-08-15",
  "canonical": "https://legal.exploreworldai.com/us/agent/fcra/adverse-action",
  "agent_canonical": "https://legal.exploreworldai.com/us/agent/fcra",
  "hash": "sha256:51bac3d4347f0b985f10ec370392051ef0c1eb422ada469d5969d7abfcea52c1",
  "citation": "15 U.S.C. §§ 1681 to 1681x, FCRA, Kreditupplysning och konsumenträtt. NovaCopilot, https://legal.exploreworldai.com/us/agent/fcra (hämtad 2026-08-15, bevis sha256:2cc44ca4a401db1c, bygge legal-2026-10-21).",
  "disclaimer": "Källhänvisning med officiell identifierare. Ingen juridisk rådgivning och inget efterlevnadsbeslut.",
  "version": "legal-2026-10-21",
  "expires": "2026-10-23T00:00:00.000Z",
  "dependency": {
    "index_version": "legal-2026-10-21+legal-2026-10-21+2026-10-21T16:46:51",
    "content_hash": "sha256:51bac3d4347f0b985f10ec370392051ef0c1eb422ada469d5969d7abfcea52c1",
    "revalidate_after": "2026-10-22T08:55:02.299Z",
    "max_copy_age_seconds": 3600,
    "policy": "revalidate-required; attribution-preferred",
    "changelog": "https://legal.exploreworldai.com/api/public/v1/dependency",
    "verify": "https://legal.exploreworldai.com/api/public/v1/verify",
    "stale_copy_invalid": true
  },
  "content_notice": {
    "legal_advice": false,
    "nature": "Källregister. Endast information, inte juridisk rådgivning och ingen bedömning av ett enskilt ärende.",
    "kinds": {
      "official_text": "Officiell källtext, ordagrann och ej tolkad",
      "summary": "Sammanfattning, ej juristgranskad. Läs alltid källtexten",
      "classification": "Automatisk märkning ur källans egen text, ej juristgranskad"
    },
    "rule": "Endast fält märkta official_text är lagens egen lydelse. Allt annat pekar på den.",
    "report_error": "https://legal.exploreworldai.com/api/public/v1/corrections",
    "ai_act_declaration": "https://legal.exploreworldai.com/api/public/v1/ai-act-declaration"
  },
  "usageInfo": "https://legal.exploreworldai.com/citering"
}