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The Fair Credit Reporting Act ("FCRA") is a federal law that promotes the accuracy, fairness and privacy of information in the files of consumer reporting agencies.

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• (1) to make decisions about or in connection with hiring, promoting, reassigning, or continuing to employ any person, including current or potential volunteers and household employees such as childcare workers, contractors, or home health aides;
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• (4) in connection with the underwriting of insurance;
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