MVR Compliance | Employer Compliance

MVRcheck is committed to supporting employer and insurer compliance with all applicable federal and state regulations governing motor vehicle record access and use. This page outlines your responsibilities when obtaining and using MVR or PSP reports through MVRcheck.

Authorized Use of MVR & PSP Reports

MVR and PSP reports are available only to verified commercial entities with a lawful permissible purpose.

By requesting a report, you certify that:

• You are a legitimate business entity.
• You have a permissible purpose under applicable law.
• You will use the report solely for the purpose certified at the time of request.

Applicable laws include:

• Drivers’ Privacy Protection Act (DPPA)
• Fair Credit Reporting Act (FCRA)
• Gramm-Leach-Bliley Act (GLBA)
• FMCSA regulations
• Applicable state laws

Reports obtained for employment purposes may not be reused for insurance underwriting, and reports obtained for insurance purposes may not be reused for employment screening.

MVRcheck does not provide personal driving records for individual use.

Data Source Information

• MVR reports are obtained from official State Motor Vehicle Agency data.
• PSP reports are obtained directly from the Federal Motor Carrier Safety Administration (FMCSA).

MVRcheck does not alter or maintain these government records.

If you believe report information is inaccurate, disputes must be submitted in writing with supporting documentation and a copy of the applicant’s driver’s license to: [email protected]

Employer Responsibilities Under the FCRA

When using MVR or PSP reports for employment purposes, you must comply with the Fair Credit Reporting Act (FCRA).

Before ordering a report, you must:

1. Provide the applicant or employee with a clear and conspicuous standalone disclosure stating that a consumer report may be obtained.
2. Obtain written authorization from the individual.
3. Certify that the report will be used for employment or DOT compliance purposes only.

Signed authorization forms must be retained for a minimum of five (5) years, regardless of hiring outcome.

Investigative Consumer Reports

If you obtain an investigative consumer report (a report based on personal interviews regarding character, reputation, personal characteristics, or lifestyle), additional FCRA requirements apply, including:

• Written notice to the applicant that an investigative report may be obtained.
• Notice of the individual’s right to request additional information regarding the scope and nature of the investigation.

Adverse Action Requirements

If you intend to take adverse action based in whole or in part on information in a report (including failure to hire, termination, rescinding a job offer, or denial of promotion), you must follow the FCRA’s required two-step process.

Step 1: Pre-Adverse Action

Before taking adverse action, you must provide:

• A Pre-Adverse Action Notice
• A copy of the report
• A copy of the FCRA Summary of Rights

You should allow a reasonable period (recommended: five (5) business days) for the individual to dispute the accuracy of the report.

Step 2: Adverse Action Notice

If you proceed with adverse action, you must provide written notice that includes:

• The name, address, and phone number of MVRcheck as the Consumer Reporting Agency (CRA).
• A statement that MVRcheck did not make the decision and cannot provide specific reasons for the action.
• Notice of the individual’s right to obtain a free copy of their report within sixty (60) days.
• Notice of the right to dispute the accuracy or completeness of the report.

Pre-Adverse and Adverse Action letters may be processed through your online account.

Insurance Provider Obligations

Insurance providers may obtain MVR reports only for underwriting or insurance-related transactions involving the consumer and must have a permissible purpose under the FCRA.

If coverage is denied or modified based on report information, the insurer must provide the appropriate adverse action notice as required by law.

Reports obtained for insurance purposes may not be used for employment screening.

Sample Forms & Legal Guidance

Sample disclosure and authorization forms are available in your account for convenience.

These materials are provided for informational purposes only and do not constitute legal advice. Employers and insurers are responsible for ensuring compliance with all applicable laws and should consult legal counsel as needed.

Compliance Information

Note to Employers/Insurers: 

MVRcheck provides sample forms, documents, and compliance resources to assist employers and insurers in meeting their regulatory obligations. These materials are intended as general guidance and are not a substitute for legal advice.

Compliance requirements under the Fair Credit Reporting Act (FCRA), the Drivers’ Privacy Protection Act (DPPA), and applicable state laws may vary depending on your specific business practices and jurisdiction. You are responsible for ensuring that your disclosures, authorizations, policies, and procedures fully comply with all applicable laws and regulations.

We strongly recommend that all forms and compliance procedures be reviewed by qualified legal counsel and, where appropriate, your human resources or compliance team prior to implementation.

For additional information regarding your responsibilities, please consult your legal advisor or review the Fair Credit Reporting Act (FCRA).