Tenant Screening Adverse Action

How It Works

When a screening report comes back with an unfavorable result (deny, conditional

approve, higher deposit), this recipe requires a human decision — no fully

automated denials. Once decided, it generates and sends the adverse action package:

report copy, notice, and dispute instructions. If the applicant disputes, a ticket

is opened and the decision timeline is paused.

What You Get

• Human decision checkpoint: no automated denials
• Adverse action notice generation with dispute instructions and timeline
• Report delivery to applicant as required
• Decision rationale logging with timestamp and reviewer
• Dispute workflow: ticket created, decision timeline paused
• Sensitive data access controls and retention limits

Setup Steps

1. Connect your screening provider, applicant tracking system, and email
2. Define your decision categories (deny, conditional, higher deposit)
3. Configure the adverse action notice template for your jurisdiction
4. Set dispute response timelines
5. Define data retention policy and access restrictions

Tips

• Always require a human sign-off — automated denials create compliance risk
• Send the notice promptly; delays create exposure
• If the applicant requests a disability accommodation, route to trained staff separately
• Ensure the notice is sent whenever a consumer report was any factor in the decision
• Store screening data only as long as required; restrict internal sharing
• Localize the notice and dispute process for your jurisdiction