The Fair Credit Reporting Act (FCRA) is a federal law that governs how companies order and consider consumer reports (including background checks). Enforcement of the FCRA is overseen by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The law was enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies like Checkr. To that end, it provides safeguards and rights for consumers like you.