Certified Regulatory Compliance Manager (CRCM) — Question 84

A consumer reporting agency may furnish a consumer report

Answer options

• A. If not authorized in writing by the consumer
• B. In response to a court order having jurisdiction or a subpoena issued by a federal grand jury or review or collection of an account of the consumer
• C. In connection with a credit or insurance transaction
• D. For employment purposes Before procuring a consumer report, an employer Must disclose to the individual in writing that a consumer report may be obtained Must obtain written authorization from the individual before procuring the report

Correct answer: B, C, D

Explanation

The correct answers B, C, and D outline specific legal circumstances under which a consumer report can be shared, including court orders and employment verification. Option A is incorrect because a consumer report cannot be provided without written authorization from the consumer.