General Requirements for Consumer Report End-Users in Canada

This document is a guide outlining the general requirements for employers and insurers in Canada regarding the use of consumer reports, specifically credit reports. It details the necessary steps that must be taken before utilizing a consumer report for employment or underwriting purposes. Employers are required to critically assess the necessity of a consumer report, obtain prior written consent from the individual, and ensure that the report is sourced from an accredited agency. The guide clarifies what constitutes 'employment purposes' and emphasizes the need for clear written disclosures to candidates. Additionally, it addresses the legal obligations concerning adverse actions taken based on the information derived from consumer reports. Insurers are also instructed to follow similar protocols when using consumer reports for underwriting. The document emphasizes compliance with applicable provincial and federal laws and provides guidance on handling medical information and investigative consumer reports.