FCRA Basic Certification

The FCRA Basic Certification Program provides participants with a core understanding of foundational information core to the Fair Credit Reporting Act (FCRA). Staff at every level within an organization will benefit from this program. By supporting staff participation in the certification programs, organizations are able to demonstrate an investment in both people and products and a commitment to compliance throughout their organization.

Program Content

The program includes five training webinars and an exam. The webinars cover the following topics:

  1. FCRA Basics — The basic FCRA concepts and terminology, such as "consumer report," "consumer reporting agency," "investigative consumer report," "end user," "furnisher," etc. and some of the limitations on data that can be included in consumer reports.
  2. CRAs — The five basic duties of consumer reporting agencies under the FCRA.
  3. The Other Players — The basic rights and duties of end users, furnishers, resellers and consumers under the FCRA.
  4. FCRA Litigation — Consumer litigation and regulatory enforcement actions under FCRA.
  5. State Variants — Principal state law variants of the FCRA and addresses the interplay between the FCRA and state variants.

Certificate Holder Benefits

Upon completing the five training webinars and passing the certification exam, participants receive a certificate valid for two years and are eligible for FCRA Advanced Certification during this time. FCRA Basic Certified members of NAPBS are so designated in the online membership directory.

View the Statement of Use for FCRA Basic Certification logo.

Exam Details

Individuals have two opportunities to pass the exam. Those who do not pass the exam on their second attempt must repurchase the program. A score of 80% must be achieved to pass the exam. The exam must be completed within 12 months of the purchase date.

Recertification

FCRA Basic Certification is valid for two years and must be current to apply for Recertification. There are two options for FCRA Basic Recertification – taking the recertification exam or earning credits by attending NAPBS educational tracks at conferences and webinars. For FCRA Basic Recertification, you must submit your Professional Development Credits (PDCs) or pass the recertification exam by the end of your two-year certification period.

  • Recertification via PDCs. Five PDCs are needed to qualify for FCRA Basic Recertification. PDCs must be submitted to NAPBS by the end of the two-year recertification period. Once the recertification application is complete and has been approved, your next two-year recertification period begins from your existing end date. Designated NAPBS educational sessions and webinars (live and recordings) qualify for PDCs. To receive your tracking form, you must register for the FCRA Basic Recertification PDCs course using the link below. Click here to view a list of qualifying sessions and webinars.
  • Recertification via exam. Individuals have two opportunities to pass the recertification exam. Those who do not pass the exam on their second attempt must repurchase the program. A score of 80% must be achieved to pass the exam. The exam must be completed within one month of the purchase date.

Fees

Initial Certification:
NAPBS Member: $75
Non-Member: $150

Recertification:
NAPBS member: $50
Non-member: $100

Registration Forms

Register for the FCRA Basic Certification Program

Register for the FCRA Basic Recertification Exam
Register for the FCRA Basic Recertification PDCs

Additional Notes

  • The individual who is taking this course and exam must have an NAPBS account to log-in and purchase. Non-members will be prompted to register for an account prior to obtaining access to the order form.
  • Do not purchase this exam for another person in your membership account. If the participant does not have NAPBS login credentials, contact your company's NAPBS billing contact to add employees to the company profile and register you for the program. Should you have any questions in this regard, contact certification@napbs.com.
  • It is the responsibility of certified individual to maintain a current email address with NAPBS in order to receive renewal notices.
  • This program is not currently approved for HRCI credits.