Rental Application Denial Template for Landlords
Free FCRA-compliant rental denial / adverse action letter for landlords. Includes the required credit-agency disclosure and applicant dispute rights.
Download the Free Notice
Decline an applicant the compliant way - the FCRA notice done for you. Instant access.
With this free template, you’ll be able to:
- Meets FCRA adverse-action rules: agency disclosure, 60-day free report, and dispute rights
- Fair-housing and state-screening guidance so your reasons hold up
- Fillable PDF - complete it on screen or print it
Produced by Landlord Studio
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FAQs
What is an adverse action notice?
An adverse action notice informs a rental applicant or tenant that a landlord has taken an unfavorable action based partly or entirely on information in a consumer report. This could include denying a rental application, requiring a co-signer, charging higher rent, or requiring a larger security deposit.
When does a landlord need to send an adverse action notice?
Landlords must provide an adverse action notice whenever information from a consumer report contributes to an unfavorable rental decision. This applies even if the report was only one of several factors used to make the decision.
What needs to be included in an adverse action notice?
An adverse action notice should include the name, address, and phone number of the consumer reporting agency that supplied the report; confirmation that the agency did not make the rental decision; and information explaining the applicant’s right to dispute inaccurate information and request a free copy of their report within 60 days.
Does an adverse action notice only apply to credit checks?
No. An adverse action notice may be required when a decision is based on any consumer report covered by the Fair Credit Reporting Act (FCRA), including credit reports, tenant screening reports, rental history reports, and certain criminal background checks.
Can an adverse action notice be sent by email?
Yes. Under the FCRA, an adverse action notice can be provided in writing, electronically, or orally. However, providing a written or electronic notice creates a clearer record that the applicant was informed of the decision and their rights.