{ "attribution": { "product": "NovaCopilot", "source": "legal.exploreworldai.com", "canonical": "https://legal.exploreworldai.com/us/agent/fcra", "cite_as": "NovaCopilot, legal.exploreworldai.com (https://legal.exploreworldai.com/us/agent/fcra)", "license": "https://legal.exploreworldai.com/revision", "version": "legal-2026-08-25", "fingerprint": "ewai:eu:cf4cdd", "proof": "sha256:9c0eabb924c9ace1f99af31db886f5020c2813779d910d69cb9f5d69d9579be7", "jurisdiction": "eu" }, "cagi_brand": "CAGI – Corporate Artificial General Intelligence", "cagi_version": "1.0", "cagi_relation": "alternate-entry", "canonical_agent": "/us/agent/fcra", "jurisdiction": "US Federal", "agent_type": "deterministic", "cagi_entry": "https://legal.exploreworldai.com/us/federal/cagi-api/fcra", "canonical_agent_url": "https://legal.exploreworldai.com/us/agent/fcra", "id": "fcra", "script": { "kind": "operative", "fields": [ { "name": "anvander_kreditupplysning", "kind": "boolean", "label": "Använder en consumer report", "labelEn": "Uses a consumer report" }, { "name": "andamal", "kind": "enum", "values": [ "kredit", "anstallning", "forsakring", "hyra", "inget-angivet" ], "label": "Ändamål med upplysningen", "labelEn": "Purpose of the report" }, { "name": "skriftligt_medgivande", "kind": "boolean", "label": "Skriftligt medgivande från den enskilde finns", "labelEn": "Written authorization from the individual exists" }, { "name": "fristaende_information", "kind": "boolean", "label": "Informationen lämnas i en fristående handling", "labelEn": "The disclosure is made in a standalone document" }, { "name": "negativt_beslut", "kind": "boolean", "label": "Ett negativt beslut fattas helt eller delvis på upplysningen", "labelEn": "An adverse action is taken wholly or partly on the report" }, { "name": "bestridande_mottaget", "kind": "boolean", "label": "Ett bestridande av uppgiften har tagits emot", "labelEn": "A dispute about the information has been received" } ], "rules": [ { "id": "fcra-purpose", "when": { "op": "all", "of": [ { "op": "equals", "field": "anvander_kreditupplysning", "value": true }, { "op": "equals", "field": "andamal", "value": "inget-angivet" } ] }, "outcome": { "code": "fcra-no-purpose", "verdict": "förbjudet", "audit": "KRAV_GÄLLER", "title": "Tillåtet ändamål är inte angivet", "titleEn": "No permissible purpose is stated", "obligation": "15 U.S.C. § 1681b(a) tillåter att en consumer report lämnas ut endast för de ändamål som räknas upp där. Utan ett sådant ändamål saknas stöd i lagtexten.", "obligationEn": "15 U.S.C. § 1681b(a) permits a consumer report to be furnished only for the purposes listed there. Without such a purpose the statute provides no basis.", "refs": [ "permissible-purpose" ] } }, { "id": "fcra-employment", "when": { "op": "all", "of": [ { "op": "equals", "field": "anvander_kreditupplysning", "value": true }, { "op": "equals", "field": "andamal", "value": "anstallning" }, { "op": "any", "of": [ { "op": "equals", "field": "skriftligt_medgivande", "value": false }, { "op": "equals", "field": "fristaende_information", "value": false } ] } ] }, "outcome": { "code": "fcra-employment-missing", "verdict": "förbjudet", "audit": "KRAV_GÄLLER", "title": "Information och medgivande vid anställningsändamål saknas", "titleEn": "Disclosure and authorization for employment purposes are absent", "obligation": "15 U.S.C. § 1681b(b)(2) kräver att information lämnas i en klar och tydlig fristående handling och att den enskilde skriftligen medger att upplysningen hämtas. Före ett negativt beslut krävs en kopia enligt § 1681b(b)(3).", "obligationEn": "15 U.S.C. § 1681b(b)(2) requires a clear and conspicuous standalone disclosure and the individual's written authorization before the report is obtained. A copy is required before adverse action under § 1681b(b)(3).", "refs": [ "employment", "permissible-purpose" ] } }, { "id": "fcra-adverse", "when": { "op": "all", "of": [ { "op": "equals", "field": "anvander_kreditupplysning", "value": true }, { "op": "equals", "field": "negativt_beslut", "value": true } ] }, "outcome": { "code": "fcra-adverse", "verdict": "risk", "audit": "KRAV_GÄLLER", "title": "Underrättelse vid negativt beslut gäller", "titleEn": "The adverse action notice applies", "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.", "refs": [ "adverse-action" ] } }, { "id": "fcra-dispute", "when": { "op": "equals", "field": "bestridande_mottaget", "value": true }, "outcome": { "code": "fcra-dispute", "verdict": "risk", "audit": "KRAV_GÄLLER", "title": "Utredning av bestridd uppgift gäller", "titleEn": "The reinvestigation of a disputed item applies", "obligation": "15 U.S.C. § 1681i(a)(1) kräver en ny utredning av den bestridda uppgiften, normalt inom 30 dagar. Den som lämnat uppgiften har egna skyldigheter enligt § 1681s-2(b).", "obligationEn": "15 U.S.C. § 1681i(a)(1) requires a reinvestigation of the disputed item, normally within 30 days. The furnisher has its own duties under § 1681s-2(b).", "refs": [ "disputes", "accuracy" ] } }, { "id": "fcra-base", "when": { "op": "equals", "field": "anvander_kreditupplysning", "value": true }, "outcome": { "code": "fcra-base", "verdict": "risk", "audit": "KRAV_VILLKORAT", "title": "Lagen gäller för användningen av upplysningen", "titleEn": "The act applies to the use of the report", "obligation": "15 U.S.C. § 1681b anger de tillåtna ändamålen och 15 U.S.C. § 1681w kräver rimliga åtgärder vid gallring av uppgifter som hämtats ur en consumer report.", "obligationEn": "15 U.S.C. § 1681b states the permissible purposes and 15 U.S.C. § 1681w requires reasonable measures when disposing of information taken from a consumer report.", "refs": [ "permissible-purpose", "disposal" ] } } ], "fallback": { "code": "out-of-scope", "verdict": "tillåtet", "audit": "UTANFÖR_TILLÄMPNING", "title": "Regeln ger inget krav på den indata som lämnats", "titleEn": "The rule yields no requirement for the facts supplied", "obligation": "Ingen consumer report enligt 15 U.S.C. § 1681a(d) är angiven som använd.", "obligationEn": "No consumer report under 15 U.S.C. § 1681a(d) is stated to be used.", "refs": [] } }, "hash": "sha256:9c0eabb924c9ace1f99af31db886f5020c2813779d910d69cb9f5d69d9579be7", "version": "legal-2026-08-25", "expires": "2026-09-23T00:00:00.000Z", "dependency": { "index_version": "legal-2026-08-25+legal-2026-08-25+2026-08-25T10:00:00", "content_hash": "sha256:9c0eabb924c9ace1f99af31db886f5020c2813779d910d69cb9f5d69d9579be7", "revalidate_after": "2026-09-23T00:57:53.186Z", "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 }, "canonical": "https://legal.exploreworldai.com/us/agent/fcra", "disclaimer": "Källhänvisning med officiell identifierare. Ingen juridisk rådgivning och inget efterlevnadsbeslut.", "usageInfo": "https://legal.exploreworldai.com/citering" }