The main federal law is the Fair Credit Reporting Act (FCRA). This law is enforced by the Federal Trade Commission (FTC). The FCRA regulates outside reporting agencies, consumer reporting agencies. If an employer wants a background check from a consumer reporting agency, then special rules apply. Before getting the report, the employer needs your written permission. If an employer then takes any adverse action against you because of the report, like refusing to hire you or firing you, you are entitled to a copy of the background check used and a copy of “A Summary of Your Rights Under the Fair Credit Reporting Act,” as well as an opportunity to respond to the allegations and correct any incorrect information.