![]() Prior to taking any adverse action, a notice must be sent to the consumer informing them that an adverse action is being considered. Regardless of which permissible purpose you are buying an MVR for, a decision to take an adverse action pursuant to a consumer report requires that you follow a particular procedure. The white paper includes sample disclosure and authorization forms which you are free to use. ![]() You can find a sample authorization form here.įor more information on the importance of authorizations, please download our free white paper, Disclosure and Authorization Forms: Getting it Right and Lessons Learned. The Authorization for Enrollment process in Qorta lets your drivers electronically sign the required authorizations and disclosures online. The authorization must meet specific requirements set forth by the federal and state law. Those businesses who obtain MVRs for employment purposes must obtain written authorization from the consumer before ordering the MVR. Store compliance documents online in the driver profileįCRA Compliant Releases and Adverse Action.Accelerate enrollment of drivers into monitoring.Collect driver information and required releases straight from the driver.Instead of chasing down signatures and manually uploading documents, Qorta makes it easy to: The signed documents are then stored with the driver’s profile, making it simple to maintain for your records. As part of our monitoring solution, Qorta, you have a secure website link for your drivers to enter their license info, then view and electronically sign the required authorizations and disclosures. While it’s critical for you to know the legal requirements for background checks, you should also know that SambaSafety takes much of this burden for you with the Authorization for Enrollments process. Resellers must also be familiar with requirements regarding accuracy and completeness and its reinvestigation obligations in the event of a consumer dispute.įor more information regarding the FCRA, please visit the Consumer Financial Protection Bureau’s (CFPB) website. The FCRA also requires that resellers comply with reasonable procedures to ensure that the MVR will be resold only for permissible purposes. Resellers must be aware of disclosure requirements when ordering MVRs and must confirm MVRs will be used only for permissible purposes as defined under the FCRA. Insurers must be familiar with the use limitations for the insurance permissible purpose and the notice requirements for adverse action.Ī summary of reseller obligations under the FCRA can be found here. There are certain exceptions for the trucking industry. Employers are also required to comply with FCRA requirements for pre and post adverse action notices. Employers must be familiar with requirements to provide applicants/employees written disclosures as required under the FCRA and to obtain written permission to acquire an MVR. MVR’s are only available from SambaSafety for the specified permissible purpose for which they are acquired (Employment or Insurance) and may only be used for the specified permissible purpose. ![]() MVRs are governed by the Fair Credit Reporting Act, the Driver’s Privacy Protection Act (DPPA) and various state equivalent statutes.Ī summary of end user obligations under the FCRA can be found here. In all cases, MVRs are based on data from public entities, and access and use of MVRs are strictly regulated. ![]() SambaSafety proudly provides MVRs to help employers manage risk and safety and help the insurance industry manage and price risk. MVRs provide invaluable insight into driver risk and driver qualification. The purpose of this site is to assist our customers with compliance in connection with the acquisition and use of motor vehicle records (MVRs). ![]()
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