For housing near North Carolina A&T State University, does requiring a cosigner after a tenant screening report count as an adverse action?
DIRECT ANSWER
National FTC landlord guidance July2023 observed October16,2026; no campus-specific screening endorsement. Confirm current requirements and the actual student, employee, household or property circumstances with the cited authority. No property inventory or named professional is assigned by this answer.
FTC says a report-based cosigner requirement, higher deposit/rent or rejection can trigger an FCRA adverse-action notice, even if the report was only one reason. Include compliant notice and reporting-agency details in the screening workflow, not just an acceptance/rejection email.
Answer
FTC says a report-based cosigner requirement, higher deposit/rent or rejection can trigger an FCRA adverse-action notice, even if the report was only one reason. Include compliant notice and reporting-agency details in the screening workflow, not just an acceptance/rejection email.
Scope and verification
National FTC landlord guidance July2023 observed October16,2026; no campus-specific screening endorsement.
Confirm current requirements and the actual student, employee, household or property circumstances with the cited authority. No property inventory or named professional is assigned by this answer.
Sources & verification
- Using Consumer Reports: What Landlords Need to Know | Federal Trade Commission Retained independently source-supported evidence for the stated question and qualifications
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