Adverse Action Letter Generator
Enter the state, city, and reason for adverse action. Ask HR AI produces a draft pre-adverse action notice and final adverse action notice with the correct FCRA content and the state and local disclosures that apply — following the built-in accuracy protocol. Every generated document is a sample only; clear with legal counsel before use.
Your draft letters will appear here
Fill in the state, optional city, and reason for adverse action — then generate. You'll receive a jurisdictional summary, a pre-adverse notice, a final notice, a disclosures checklist, and a timeline.
Frequently asked questions
What is a pre-adverse action notice?
A pre-adverse action notice is the letter an employer sends before deciding not to hire based in whole or in part on a consumer report. Under FCRA §1681b(b)(3) it must include a copy of the report and the CFPB's Summary of Your Rights Under the FCRA, and it gives the candidate a chance to dispute or explain the record.
How long do you have to wait before sending the final adverse action letter?
The FCRA requires a reasonable waiting period rather than a fixed number of days. Five business days is the widely used benchmark, and some state and local fair-chance laws require longer or add an individualized-assessment step, so confirm the rule for the candidate's jurisdiction.
What has to be in the final adverse action notice?
The name, address, and toll-free number of the consumer reporting agency; a statement that the agency did not make the decision and cannot explain it; notice of the right to a free copy of the report within 60 days; and notice of the right to dispute the accuracy or completeness of the information.
Are the generated letters legal advice?
No. The generator produces a draft based on the details you enter and the disclosures generally required in the jurisdiction you select. Have employment counsel review the language and your overall process before you rely on it.
Keep reading
- Adverse action: meaning, notices, and timelineWhat adverse action means under the FCRA, the two required notices, and how long to wait between them.Read the guide
- FCRA compliance checklist for employersDisclosure, authorization, adverse action, and recordkeeping steps in the order an auditor will ask for them.Read the guide
- Ban-the-box laws by jurisdictionState, county, and city fair-chance rules — when you may ask, when you may run, and what notice is required.Read the guide