Tag: FCRA
3 articles tagged “FCRA”
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Compliance
Trigger Leads After the Homebuyers Privacy Protection Act: What an AI Outreach Agent Can Buy, Call, and Text in 2026
The Homebuyers Privacy Protection Act amended FCRA 604(c) and took effect March 5, 2026. Here is the eligibility gate an AI outreach agent has to run before it dials a prescreened mortgage lead, the exceptions that still let you contact your own borrowers, and the audit file that proves the lead was legal.
Sep 1, 20267 min read
Read moreMortgage
Verification of Employment With an AI Agent: The Written VOE, the Day-of-Closing Verbal, and Why The Work Number Is a Credit Report
VOE reads like a phone call and is actually three separate controls with three separate failure modes. The written verification, the verbal within ten business days of the note, and the reverification when something changes. Where an AI agent runs each one, what Fannie Mae B3-3.1-07 actually requires, and why treating a database VOE as free of FCRA is the mistake that shows up in a dispute.
Aug 24, 20267 min read
Read moreCompliance
FCRA Furnisher Accuracy for AI-Driven Decisioning and Servicing: A Section 623 Playbook
How AI agents affect FCRA Section 623 accuracy duties and dispute investigations. A playbook for meeting the reasonable-investigation standard in 2026.
May 24, 20266 min read
Read moreBOOK A DEMO
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