Lookback and reporting limits by state
How 15 U.S.C. 1681c and the state obsolete-information statutes differ, and how PreHireBadge's pay bands map to those lines.
- 51 min
- 7 modules + exam
- Certificate of completion
For employers, HR, and hiring managers in the United States.
What you will be able to do
- Separate a federal conviction from the seven-year bar in 1681c(a)(5)
- Match a pay band's lower bound to the New York, Washington, Kansas, New Hampshire, California, and federal lines
- Leave a suppressed record out of the hiring file
Syllabus
- 1You pick a pay band. The CRA applies the limit.Reportability is not a hiring judgment you type into the order.7 min(open)
- 2The federal seven-year rule is not a conviction ban15 U.S.C. 1681c(a)(5) excludes records of convictions from the general seven-year bar. Subsection (b)(3) is a salary line for the limits that do exist.8 min
- 3The four pay bands use the lower boundIf you are unsure, choose the lower band. The product does not round a band up to the next statute.7 min
- 4State lines the product names, and one statute that movedNew York is $25,000. Washington, Kansas, and New Hampshire are $20,000. California has no salary exception. Maryland's statute is $75,000 as of October 1, 2024.9 min
- 5How the product treats an eight-year-old recordThese are the product's checks, not a new statute. Eight years is outside seven.8 min
- 6Sealed, missing, and not your editA sealed record is not reported. A missing fact the rule needs stays in review.6 min
- 7A reportable record is still not a hiring orderLookback answers what may be furnished. The hiring decision is a later step.6 min
- Final exam10 questions. 80% passes. Opens after the last module.
- Certificate of completionYour name, the course, and the date, with a public page anyone can check.
Sources
The primary sources this course is written from.
- U.S. Government Publishing Office: 15 U.S.C. 1681c
- Consumer Financial Protection Bureau: How long does information stay on my credit report?
- Consumer Financial Protection Bureau: Fair Credit Reporting; Background Screening advisory opinion (2024)
- New York State Senate: General Business Law 380-j
- California Legislative Information: Civil Code 1786.18
- Washington State Legislature: RCW 19.182.040
- Kansas Legislature: K.S.A. 50-704
- New Hampshire General Court: RSA 359-B:5
- Maryland General Assembly: Commercial Law 14-1203
- Maryland General Assembly: Chapter 618 of the 2024 Laws of Maryland (House Bill 262)
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