{"product_id":"fcra-compliance-risk-based-pricing-rule-training-course","title":"FCRA Compliance: Risk-Based Pricing Rule Training Course","description":"\u003cdiv class=\"flex max-w-full flex-col gap-4 grow\"\u003e\n\u003cdiv dir=\"auto\" class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal outline-none keyboard-focused:focus-ring [.text-message+\u0026amp;]:mt-1\" tabindex=\"0\"\u003e\n\u003cdiv class=\"flex w-full flex-col gap-1 empty:hidden\"\u003e\n\u003cdiv class=\"fbskMG_root markdown prose dark:prose-invert wrap-break-word w-full light markdown-new-styling\"\u003e\n\u003cdiv class=\"flex max-w-full flex-col gap-4 grow\"\u003e\n\u003cdiv dir=\"auto\" class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal outline-none keyboard-focused:focus-ring [.text-message+\u0026amp;]:mt-1\" tabindex=\"0\"\u003e\n\u003cdiv class=\"flex w-full flex-col gap-1 empty:hidden\"\u003e\n\u003cdiv class=\"fbskMG_root markdown prose dark:prose-invert wrap-break-word w-full light markdown-new-styling\"\u003e\n\u003cdiv class=\"relative basis-auto flex-col -mb-(--composer-overlap-px) pb-(--composer-overlap-px) [--composer-overlap-px:28px] grow flex\"\u003e\n\u003cdiv class=\"flex min-h-0 grow flex-col text-sm\"\u003e\n\u003cdiv class=\"qMYqUG_convSearchResultHighlightRoot\"\u003e\n\u003cdiv class=\"\"\u003e\n\u003csection class=\"text-token-text-primary w-full focus:outline-none has-data-writing-block:pointer-events-none [\u0026amp;:has([data-writing-block])\u0026gt;*]:pointer-events-auto R6Vx5W_threadScrollVars scroll-mb-[calc(var(--scroll-root-safe-area-inset-bottom,0px)+var(--thread-response-height))] scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\"\u003e\n\u003cdiv class=\"text-base my-auto mx-auto pb-8 [--thread-content-margin:var(--thread-content-margin-xs,calc(var(--spacing)*4))] @w-sm\/main:[--thread-content-margin:var(--thread-content-margin-sm,calc(var(--spacing)*6))] @w-lg\/main:[--thread-content-margin:var(--thread-content-margin-lg,calc(var(--spacing)*16))] px-(--thread-content-margin)\"\u003e\n\u003cdiv class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\"\u003e\n\u003cdiv class=\"flex max-w-full flex-col gap-4 grow\"\u003e\n\u003cdiv dir=\"auto\" class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal outline-none keyboard-focused:focus-ring [.text-message+\u0026amp;]:mt-1\" tabindex=\"0\"\u003e\n\u003cdiv class=\"flex w-full flex-col gap-1 empty:hidden\"\u003e\n\u003cdiv class=\"fbskMG_root markdown prose dark:prose-invert wrap-break-word w-full light markdown-new-styling\"\u003e\n\u003cdiv class=\"flex max-w-full flex-col gap-4 grow\"\u003e\n\u003cdiv dir=\"auto\" class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal outline-none keyboard-focused:focus-ring [.text-message+\u0026amp;]:mt-1\" tabindex=\"0\"\u003e\n\u003cdiv class=\"flex w-full flex-col gap-1 empty:hidden\"\u003e\n\u003cdiv class=\"fbskMG_root markdown prose dark:prose-invert wrap-break-word w-full light markdown-new-styling\"\u003e\n\u003cp class=\"PDq2pG_selectionAnchorContainer\"\u003eThe \u003cstrong\u003eFCRA Risk-Based Pricing Rule\u003c\/strong\u003e requires organizations that use consumer reports in certain credit decisions to provide consumers with appropriate disclosures when credit terms are materially less favorable based on information in their consumer report. This concise training course explains the requirements of Regulation V and provides practical guidance for determining when notices are required, which calculation methods may apply, and how to use available compliance exceptions.\u003cspan class=\"PDq2pG_selectionAnchor\"\u003e\u003c\/span\u003e\u003c\/p\u003e\n\u003cp\u003eDesigned for lenders, auto dealers, credit providers, and other organizations involved in consumer credit decisions, the course helps employees understand the notice requirements, timing rules, pricing methods, and documentation practices associated with risk-based pricing compliance.\u003c\/p\u003e\n\u003chr\u003e\n\u003ch3\u003eTraining Objectives\u003c\/h3\u003e\n\u003cp\u003eBy the end of this course, participants will be able to:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eIdentify situations that trigger a Risk-Based Pricing Notice\u003c\/li\u003e\n\u003cli\u003eUnderstand the relationship between the FCRA and Regulation V\u003c\/li\u003e\n\u003cli\u003eApply the Direct Comparison Method when determining notice requirements\u003c\/li\u003e\n\u003cli\u003eUnderstand how the Credit Score Proxy Method is used for risk-based pricing\u003c\/li\u003e\n\u003cli\u003eApply the Tiered Pricing Method to different pricing structures\u003c\/li\u003e\n\u003cli\u003eDetermine when the Credit Score Disclosure Exception may be used\u003c\/li\u003e\n\u003cli\u003eUnderstand notice timing requirements for closed-end and open-end credit\u003c\/li\u003e\n\u003cli\u003eRecognize compliance obligations associated with account reviews\u003c\/li\u003e\n\u003cli\u003eUnderstand requirements that may apply when APRs or other credit terms increase\u003c\/li\u003e\n\u003cli\u003eUse CFPB model forms and established procedures to support compliance\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003chr\u003e\n\u003ch3\u003eCourse Overview\u003c\/h3\u003e\n\u003cp\u003eRisk-based pricing allows creditors to offer different credit terms to consumers based on information in their credit profiles. While this approach can help lenders evaluate credit risk, the \u003cstrong\u003eFair Credit Reporting Act (FCRA)\u003c\/strong\u003e and Regulation V establish disclosure requirements designed to give consumers greater transparency when consumer report information affects the terms they receive.\u003c\/p\u003e\n\u003cp\u003eThis course provides an accessible introduction to the Risk-Based Pricing Rule and explains when a creditor may be required to provide a Risk-Based Pricing Notice. Participants learn how to determine whether a consumer received terms that are materially less favorable than those offered to other consumers and how different pricing structures can affect the analysis.\u003c\/p\u003e\n\u003cp\u003eThe course examines the primary methods used to determine which consumers receive notices, including the \u003cstrong\u003eDirect Comparison Method, Credit Score Proxy Method, and Tiered Pricing Method\u003c\/strong\u003e. Participants learn how these methods work and how cutoff scores, pricing tiers, and other established criteria can be used when applying the rule.\u003c\/p\u003e\n\u003cp\u003eThe training also covers the \u003cstrong\u003eCredit Score Disclosure Exception\u003c\/strong\u003e, an alternative that can simplify compliance for creditors that provide consumers with their credit score and related information in accordance with applicable requirements.\u003c\/p\u003e\n\u003cp\u003eTiming is another important component of compliance. Participants learn about notice requirements for both closed-end and open-end credit, including when disclosures must be provided in connection with applications and account reviews.\u003c\/p\u003e\n\u003cp\u003eThe course also addresses situations that occur after an account has been established. For example, an account review or change in a consumer's credit profile may result in an increase in an APR or other credit terms that can create additional disclosure obligations. Understanding these requirements can help organizations establish consistent processes and reduce compliance risk.\u003c\/p\u003e\n\u003cp\u003eWhether your organization provides \u003cstrong\u003eauto financing, mortgages, credit cards, or other forms of consumer credit\u003c\/strong\u003e, this training provides employees with a practical foundation for understanding risk-based pricing disclosure requirements.\u003c\/p\u003e\n\u003cp\u003eThis program is available with \u003cstrong\u003eSpanish and French closed captions\u003c\/strong\u003e.\u003c\/p\u003e\n\u003chr\u003e\n\u003ch3\u003eKey Benefits\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003eBuild a practical understanding of the FCRA Risk-Based Pricing Rule\u003c\/li\u003e\n\u003cli\u003eLearn how Regulation V applies to risk-based pricing disclosures\u003c\/li\u003e\n\u003cli\u003eUnderstand when a Risk-Based Pricing Notice may be required\u003c\/li\u003e\n\u003cli\u003eLearn the major methods used to determine notice requirements\u003c\/li\u003e\n\u003cli\u003eUnderstand the Credit Score Disclosure Exception\u003c\/li\u003e\n\u003cli\u003eImprove understanding of closed-end and open-end credit timing requirements\u003c\/li\u003e\n\u003cli\u003eRecognize compliance considerations during account reviews\u003c\/li\u003e\n\u003cli\u003eUnderstand how APR increases can affect disclosure obligations\u003c\/li\u003e\n\u003cli\u003eLearn how model forms can support consistent compliance procedures\u003c\/li\u003e\n\u003cli\u003eHelp employees recognize and respond to risk-based pricing compliance requirements\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003chr\u003e\n\u003ch3\u003eCourse Details\u003c\/h3\u003e\n\u003cul\u003e\n\u003cli\u003e\n\u003cstrong\u003eCourse Length:\u003c\/strong\u003e 12 minutes\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eLanguage Options:\u003c\/strong\u003e English, Spanish, and French closed captions\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eProgress Tracking:\u003c\/strong\u003e Included\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eMobile Compatible:\u003c\/strong\u003e Yes\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eParticipant Guide:\u003c\/strong\u003e Downloadable participant guide included\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eAccess:\u003c\/strong\u003e Streaming video on-demand access included with license\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eLMS Compatibility:\u003c\/strong\u003e Compatible with your LMS or accessible via hosted LMS platform\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eYear Produced:\u003c\/strong\u003e 2026\u003c\/li\u003e\n\u003cli\u003e\n\u003cstrong\u003eSKU:\u003c\/strong\u003e AT239\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003chr\u003e\n\u003ch3\u003eWho Should Take This Course?\u003c\/h3\u003e\n\u003cp\u003eThis course is particularly useful for professionals involved in consumer credit decisions and regulatory compliance, including:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eAuto dealers and finance departments\u003c\/li\u003e\n\u003cli\u003eMortgage lenders\u003c\/li\u003e\n\u003cli\u003eBanks and financial institutions\u003c\/li\u003e\n\u003cli\u003eCredit card issuers\u003c\/li\u003e\n\u003cli\u003eConsumer lenders\u003c\/li\u003e\n\u003cli\u003eCompliance professionals\u003c\/li\u003e\n\u003cli\u003eRisk management teams\u003c\/li\u003e\n\u003cli\u003eCredit and underwriting personnel\u003c\/li\u003e\n\u003cli\u003eLoan officers and lending staff\u003c\/li\u003e\n\u003cli\u003eManagers responsible for consumer credit operations\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003chr\u003e\n\u003ch3\u003eWhy Risk-Based Pricing Compliance Matters\u003c\/h3\u003e\n\u003cp\u003eRisk-based pricing can result in different consumers receiving different interest rates or other credit terms. The FCRA's disclosure requirements help ensure that consumers receive appropriate information when consumer report data affects the terms of their credit.\u003c\/p\u003e\n\u003cp\u003eFor organizations, effective compliance requires more than knowing when to send a notice. Employees need to understand the methods used to determine notice requirements, applicable exceptions, timing requirements, and procedures for changes that occur after an account is opened.\u003c\/p\u003e\n\u003cp\u003eThis course gives organizations a concise way to train employees on these important requirements and establish a stronger foundation for FCRA and Regulation V compliance.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003chr\u003e\n\u003ch3\u003eFrequently Asked Questions\u003c\/h3\u003e\n\u003ch4\u003eHow is licensing calculated?\u003c\/h4\u003e\n\u003cp\u003eLicensing is based on the total number of learners who will access the course during the license period.\u003c\/p\u003e\n\u003ch4\u003eCan I train more than 100 employees?\u003c\/h4\u003e\n\u003cp\u003eYes. Enterprise licensing options are available for larger organizations and multi-location businesses.\u003c\/p\u003e\n\u003ch4\u003eCan we use our own LMS?\u003c\/h4\u003e\n\u003cp\u003eYes. Courses are available in SCORM-compatible formats and can be deployed through most learning management systems.\u003c\/p\u003e\n\u003ch4\u003eDo you offer multi-course discounts?\u003c\/h4\u003e\n\u003cp\u003eYes. Organizations licensing multiple courses may qualify for discounted workforce training packages.\u003c\/p\u003e\n\u003ch4\u003eDo you offer custom pricing?\u003c\/h4\u003e\n\u003cp\u003eYes. We can create customized pricing solutions for enterprise organizations, multi-course licensing programs, annual training initiatives, and large workforce deployments.\u003cspan\u003e \u003c\/span\u003e\u003ca class=\"decorated-link\" rel=\"noopener\" href=\"https:\/\/businesstrainingmedia.com\/pages\/contact\"\u003eContact us for custom pricing tailored to your organization\u003c\/a\u003e.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e","brand":"Atlantic Training","offers":[{"title":"Single User","offer_id":44271010938958,"sku":null,"price":55.0,"currency_code":"USD","in_stock":true},{"title":"Up to 25 Users","offer_id":44271010971726,"sku":null,"price":1295.0,"currency_code":"USD","in_stock":true},{"title":"Up to 50 Users","offer_id":44271011004494,"sku":null,"price":1895.0,"currency_code":"USD","in_stock":true},{"title":"Up to 100 Users","offer_id":44271011037262,"sku":null,"price":2895.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0726\/1723\/0414\/files\/FCRAComplianceRisk-BasedPricingRuleTrainingCourse.png?v=1788463797","url":"https:\/\/businesstrainingmedia.com\/products\/fcra-compliance-risk-based-pricing-rule-training-course","provider":"Business Training Media","version":"1.0","type":"link"}