FCRA Certificate Program for CRAs - CDIA

FCRA Certificate Program for CRAs

  1. FCRA Certificate Program for CRAs

Complex Law. Everyday Decisions.

The Updated FCRA Certificate Program for CRAs

A disputed account. A request for a consumer’s file. A suspected identity theft. A customer seeking access to a report.

Understanding the FCRA matters in each of these moments.

CDIA’s updated FCRA Certificate Program for CRAs makes complex requirements easier to follow through expanded, plain-language explanations and a modernized learning experience. Built around the work of consumer reporting agencies, the course explains what the law requires and why it matters—giving new employees a strong foundation and experienced teams an opportunity to refresh their knowledge.

Explore the requirements behind critical questions:

    • • What is a permissible purpose, and why does it matter when providing access to consumer reports?
      • What obligations apply when a consumer disputes information?
      • What information must CRAs disclose to consumers?
      • What protections does the FCRA provide for victims of identity theft and trafficking?
      • What does the FCRA require for accuracy, and what information must be included or excluded from consumer reports?

Eight focused modules address these topics alongside prescreening, mortgage-related privacy protections, and the consequences of noncompliance.

Built for CRA employees. No legal background required.

Approximately 140 minutes of self-paced instruction, plus assessments.

Strengthen the knowledge behind responsible consumer reporting.

Program Topics

  • Module 1: Introduction to the FCRA — 11 minutes
  • Module 2: Consumer Disputes — 26 minutes
  • Module 3: Consumer Disclosures — 27 minutes
  • Module 4: Fraud & Trafficking Victims — 19 minutes
  • Module 5: Prescreening — 17 minutes
  • Module 6: Permissible Purposes — 22 minutes
  • Module 7: Data Requirements — 9 minutes
  • Module 8: Data Accuracy — 9 minutes

Program Description

The FCRA Certificate Program for CRAs is a self-paced online course featuring narrated instruction, plain-language explanations, and eight focused modules that help employees understand the FCRA requirements behind their organization’s policies and procedures.

Plan for approximately 140 minutes of instruction, plus assessments. You can complete the training over several sessions, with your progress saved as you go. Headphones or speakers are needed for the audio.

Program Structure

Each of the eight modules combines narrated instruction, plain-language explanations of FCRA requirements, and an assessment to reinforce learning. Your final score is based on assessment answers across all modules.

Exam Taking & Grading Information

Each module ends with an assessment containing true/false and multiple-choice questions. Your final score is based on your answers across all eight module assessments. A score of 80% or higher is required to pass the course.

Once you begin a module assessment, you must complete it in the same sitting. Your final score is available immediately after completing all required modules and assessments.

Successful participants receive a certificate of completion valid for two years. If you do not achieve the required passing score and wish to earn your FCRA certificate, you must purchase a new seat and retake the course.

System Requirements

Use the latest version of a supported browser:

  • Windows 10 or later: Google Chrome, Microsoft Edge, or Mozilla Firefox
  • Mac with macOS 14 or later: Safari, Google Chrome, or Mozilla Firefox
  • iPhone/iPad: Safari or Google Chrome on the latest iOS/iPadOS
  • Android 14 or later: Google Chrome

Browser Settings

Enable JavaScript, font downloads, and cookies, including third-party cookies needed by the learning platform. Allow pop-ups for the training site.

Internet and Audio

A reliable internet connection is required; the learning platform specifies a minimum connection speed of 1 Mbps. Headphones or speakers are needed for narrated instruction.

The course runs in your browser; no separate player app is required. If your organization’s security settings prevent access or course launch, contact your IT team or CDIA for assistance.

Time Requirement: Approximately 140 minutes of instruction, plus assessments

$85 for CDIA Members

$195 for non-members

Buy Now

DISCOUNTED RATES AVAILABLE
Prices are per learner

Registrations Members non-members
1-4 $85 $195
5-9 $78 $188
10-49 $72 $180
50-99 $63 $149
100-199 $60 $132

Bulk Registration

Training a larger team? For 200 or more registrations, contact cdia_training@cdiaonline.org to discuss volume pricing and enrollment options.

Host the Course on Your LMS

Organizations can also license the course for delivery through their own Learning Management System (LMS) for an annual fee. This option allows employees to access the training through your organization’s learning platform, with completion tracking managed within your LMS.

Access is governed by a user license agreement defining authorized use and distribution. Contact cdia_training@cdiaonline.org to discuss licensing options and pricing.

View CDIA’s Program Access Policy

Strengthen FCRA Knowledge Across Your Team

Register individual learners, explore bulk registration, or ask about an annual user license agreement to host the course on your organization’s LMS.