✗︎ Tenant Rejection Letter
FCRA Adverse Action Notice — Required When Denying on Credit/Background
FCRA Adverse Action Notice — Mandatory: Federal law requires this notice when you deny a rental application based on information in a consumer report (credit, background check, or eviction history). You must provide it within a reasonable time (typically 30 days), include the name/address/phone of the screening company, and advise the applicant of their right to dispute. Skipping this step is a federal violation even if your denial was legitimate.
🏠 Property Applied For
👤 Applicant (Rejected)
📋 Reason(s) for Denial
FCRA Required Disclosures: If denial is based on a consumer report, you MUST include: (1) name, address, and phone of the reporting agency; (2) statement that the agency did not make the decision; (3) applicant's right to a free copy of the report; (4) applicant's right to dispute inaccurate information. This form includes all required language below.
🔒 Required FCRA Disclosures (Included in PDF)
The generated PDF will include the following required FCRA language: (1) The consumer reporting agency named above did not make this decision and cannot explain why it was made. (2) You have the right to obtain a free copy of your consumer report from the agency within 60 days of this notice. (3) You have the right to dispute inaccurate or incomplete information in your report directly with the reporting agency. (4) You may also contact the Consumer Financial Protection Bureau at consumerfinance.gov for more information about your rights.
👔 Landlord / Property Manager
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🔍 Order Screening Report →Tenant Rejection Letter — FCRA Adverse Action Guide
The tenant rejection letter — formally the “adverse action notice” — is one of the most legally important documents in tenant screening. It is required by federal law whenever you deny an application based on information from a consumer report, regardless of whether the denial was fully justified.
When Is an Adverse Action Notice Required?
- Denying based on credit report information
- Denying based on criminal background check results
- Denying based on eviction history from a screening service
- Requiring a cosigner based on credit information
- Approving at higher deposit based on credit information
When Is It NOT Required?
If you denied because the unit was rented to someone else, or because the applicant withdrew, no adverse action notice is required. If you denied based entirely on your own observations (not a consumer report), a simpler rejection letter without the FCRA disclosures may suffice. When in doubt, send the full adverse action notice — over-compliance is far better than a violation.
⚖ Legal Disclaimer
These forms are provided for informational purposes only and do not constitute legal advice. FCRA requirements are complex and strictly enforced — violations carry statutory damages of $100–$1,000 per violation plus actual damages and attorney fees. Fair Housing law prohibits discrimination based on protected characteristics. Apply screening criteria consistently to all applicants. Consult a qualified attorney before making screening decisions. See our editorial standards for accuracy details.
