Legal
FCRA Disclosure
The disclosure shown to a rental applicant before a background check is run.
Last updated: August 2026 (draft)
1. When this applies
This page explains the disclosure and authorization a rental applicant sees in LeaseOps's Prospect Portal (or from staff, if consent is collected in person) before a property management company requests a tenant screening report about them. It exists so an applicant can review this information ahead of time, and so property management companies using LeaseOps have a clear reference for what's shown and why.
2. The disclosure
The exact text an applicant sees and must affirmatively consent to before any screening report is requested:
BACKGROUND CHECK DISCLOSURE AND AUTHORIZATION
In connection with your rental application, we may obtain a consumer report (background/credit/eviction check) about you from a consumer reporting agency for tenant-screening purposes. This report may include information about your credit history, criminal history, and rental/eviction history.
This disclosure is being provided to you separately from other application materials, as required by the Fair Credit Reporting Act (FCRA). By selecting "I Consent" you acknowledge that you have read and understood this disclosure and authorize us to obtain a consumer report about you for this purpose.
If a decision is made not to approve your application in whole or in part because of information in this report, you will be notified separately and given a copy of the report along with a summary of your rights under the FCRA before a final decision is made.
3. How consent is collected
LeaseOps supports two consent paths, and a property management company may use either or both:
- Self-service — the applicant reviews and accepts this disclosure themselves in the Prospect Portal before screening begins.
- In-person / staff-witnessed — a staff member records that the applicant read and consented to this disclosure in person, e.g. during an in-office application.
No screening report is requested from our screening provider, Checkr, until one of these consent paths is completed.
4. Adverse action
If information in a screening report contributes to a decision not to approve an application, the property management company using LeaseOps is responsible for providing the applicant a pre-adverse-action notice, a copy of the report, and a summary of FCRA rights before finalizing that decision, and a follow-up adverse-action notice if the decision stands. (This notice sequence is a property management company compliance responsibility; consult qualified counsel to ensure your process meets FCRA requirements in your jurisdiction.)
5. Your rights under the FCRA
Applicants have the right to, among other things:
- Know what is in their consumer report.
- Dispute inaccurate or incomplete information with the consumer reporting agency.
- Receive a free copy of a report under certain circumstances, including after an adverse action.
A full summary of rights under the FCRA is available from the Consumer Financial Protection Bureau (consumerfinance.gov) and is also provided directly by our screening provider, Checkr, as part of the screening process.
6. Contact
Questions about a specific screening decision should go to the property management company you applied through. General questions about this disclosure can be sent through the contact page.