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Written By ESR News Blog Editor Thomas Ahearn

The Federal Trade Commission (FTC) has found a unique way to summarize key requirements of the federal Fair Credit Reporting Act (FCRA) to remind businesses that use background checks in making hiring decisions of their obligations under the FCRA. A post in the FTC Business Blog contains lyrics for “F-C-R-A” based on the classic hit song “Y.M.C.A” by the 1970’s disco group Village People.


There’s a law that applies
When a prospect’s
Background you scrutinize.
Just remember
To dot all the i’s.
Get consent in written format.

Are you OK with the F-C-R-A?
Are you OK with the F-C-R-A?
Exercise care with that consumer report
If you’re eager to stay out of court.

You like ‘em a lot,
But the screening
Reveals a bit of a blot.
The law says
You must give them a shot
To explain misinformation.

Are you OK with the F-C-R-A?
Are you OK with the F-C-R-A?
Give them the form summarizing their rights.
It includes the essential cites.

If adverse
Action’s what you decide,
Give the reason
Why they were denied,
And the source of
The report you supplied.
And their right to one more copy.

Once your
Decision is sure,
Take steps to
Keep disposal secure.
Need more details?
Well, we have a brochure
To deter unlawful access.

Are you OK with the F-C-R-A?
Are you OK with the F-C-R-A?
The report you must shred, burn, or pulverize
To protect it from prying eyes.

Are you OK with the F-C-R-A? (repeat and fade)

The FTC also offers businesses a joint publication with the Equal Employment Opportunity Commission (EEOC) titled Background Checks: What Employers Need to Know to help them answer questions about how the FCRA applies in the hiring process. The FTC’s Business Blog is at The FTC website is at

ESR Helps Businesses Comply with the FCRA

Employment Screening Resources® – “The Background Check Authority®” – offers resources to help businesses comply with the FCRA including the article “Complying with the Fair Credit Reporting Act in Four Easy Steps” by ESR founder and CEO Attorney Lester Rosen, FCRA legal resources, and blogs about the FCRA. To learn more, call toll free 888.999.4474 or visit

© 2015 Employment Screening Resources® (ESR) – Making copies or using of any part of the ESR News Blog or ESR website for any purpose other than your own personal use is prohibited unless written authorization is first obtained from ESR.


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