What are the current federal disclosure requirements an employer must follow before running a credit check on a job applicant?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What are the current federal disclosure requirements an employer must follow before running a credit check on a job applicant?
3 real searches · 1 real-search pass
FCRA employer background check disclosure written authorization before obtaining consumer report 15 USC 1681b(b) FTC employer requirementsGoogle ↗
OBSERVEDReason
FTC using consumer reports employment purposes disclosure authorization pre adverse action summary rights employerGoogle ↗
OBSERVEDReason
CFPB employment background checks FCRA employer disclosure authorization adverse action 2026Google ↗
OBSERVEDReason
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
FCRA employer background check disclosure written authorization before obtaining consumer report 15 USC 1681b(b) FTC employer requirements Google ↗
FTC using consumer reports employment purposes disclosure authorization pre adverse action summary rights employer Google ↗
CFPB employment background checks FCRA employer disclosure authorization adverse action 2026 Google ↗
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
FCRA employer background check disclosure written authorization before obtaining consumer report 15 USC 1681b(b) FTC employer requirements OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
FTC using consumer reports employment purposes disclosure authorization pre adverse action summary rights employer OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
CFPB employment background checks FCRA employer disclosure authorization adverse action 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |