# Background Checks Compliant, fast, and admissible background-check packages. Authorization links are sent to subjects directly; results route to the right state regulator. ## Background Checks Built for the Licensing File State licensing agencies do not just review the business. They review the people who own and run it, and they hold the screening to a higher standard than a routine pre-employment check. The screening has to be the right type for the regulator, run with proper authorization, and documented so the result is admissible in the license file. We coordinate the checks on owners, officers, qualifying individuals, and key personnel, then route the results to the agency that needs them, in the format it expects. ## The Checks Regulators Ask For Different licenses call for different screenings, and applying the wrong one wastes weeks. A money transmitter application leans on fingerprint-based criminal history and financial review. A mortgage license runs through the NMLS. A collection-agency license may require a state-level criminal check plus a credit review on control persons. We match the screening to the regulator before anything is run. ## Run It So the Result Holds Up A background check that is not run correctly is worse than no check at all, because it can taint the application. The Fair Credit Reporting Act governs how consumer reports are obtained and used, which means the subject must authorize the screening before it runs and receive the required disclosures. We send the authorization request to each subject directly, capture consent, and keep the documentation so the result is admissible if the regulator asks how it was obtained. ## Route Results to the Right Place Some regulators want results delivered to them directly through a state portal or a designated channel. Others want them in the application package. Fingerprint-based checks often run through a state-approved vendor with its own submission path. We know which route each agency expects and deliver the results that way, so a completed screening does not stall because it landed in the wrong inbox. ## How it works 1. **Scope the Screenings**, We confirm which individuals need a check and which type each regulator requires, so the right screening is run for the right person the first time. 2. **Authorize and Collect**, We send each subject an authorization request directly, capture consent and the disclosures the Fair Credit Reporting Act requires, and gather the identifiers each check needs. 3. **Run and Review**, We run the criminal, credit, identity, and sanctions screenings, then review the results and flag anything that will need an explanation before it reaches the regulator. 4. **Deliver to the Regulator**, We route the completed results to the right agency in the format it expects, whether that is a state portal, a designated channel, or the application package itself. ## Frequently asked questions ### Why is a licensing background check different from a regular one? A licensing background check is held to the regulator's standard, not an employer's. The screening type has to match what the agency requires, it has to be run with proper authorization under the Fair Credit Reporting Act, and the result has to be documented so it is admissible in the license file. A routine pre-employment check often does not meet those tests. ### Who needs to be screened? It depends on the license, but it usually covers owners above a percentage threshold, directors, executive officers, qualifying individuals, and anyone with control over the licensed activity. We map the requirement against your ownership and management structure so the right people are screened and no one is missed. ### Do subjects have to consent to the check? Yes. The Fair Credit Reporting Act requires that the subject authorize a consumer report before it is run and receive the required disclosures. We send the authorization request to each subject directly and capture consent before any screening begins, then keep the documentation in case the regulator asks. ### Can you handle fingerprint-based FBI checks? Yes. Many licenses require fingerprint-based criminal history through a state-approved channel. We coordinate the fingerprinting, route the submission through the right vendor or state portal, and deliver the result to the regulator in the form it expects. ### What happens if something turns up on a check? A record does not automatically sink an application, but how it is presented matters. We flag anything that will need an explanation early, so you can prepare a response and supporting context before the regulator sees it, rather than scrambling after a deficiency letter.