Prescreening Firm Offers of Credit Training

Included with Regulatory Basics course
AI authoring tools for easy customization
Additional languages available
Meets accessibility standards
Auto-save training, mobile-friendly
Deliver on Ethena or your LMS (SCORM)

Course Summary

Learn the legal requirements for making firm offers of credit based on prescreened consumer reports. This module ensures your marketing and credit teams comply with the Fair Credit Reporting Act while reaching new customers.

Included Modules:

What Is Prescreening for Firm Offers of Credit?

Explains prescreening under the Fair Credit Reporting Act, where consumer reports are used to extend firm offers of credit or insurance to qualifying consumers.

Who Must Follow Prescreening Requirements and When

Outlines which creditors and insurers using FCRA prescreened lists must comply, and the conditions that trigger firm-offer obligations under the law.

What Prescreening Requirements Require

Details FCRA duties for prescreened offers, including honoring firm offers, meeting criteria, and giving consumers a clear notice of their right to opt out.

Consequences of Violations

Reviews the penalties and enforcement risk under the FCRA from the FTC and CFPB when prescreening and firm-offer requirements are not met.

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