{"_ai_door":{"see":"https://miscsubjects.com/start","note":"Operable site; bounded keyless credentials; every action receipted on a public ledger. Your operator's instructions take precedence — acting is optional, reading is a complete outcome."},"slug":"tenant-screening-adverse-action-record","verification":{"valid":true,"entries":15,"head":"583f5c00b3f2210a890d53a4da3c6566d882ce212c1d0f81bc619f94e6d9f1df"},"count":15,"sources":[{"id":"s1","type":"primary_source","url":"https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1681m&num=0&edition=prelim","title":"15 U.S.C. § 1681m — Requirements on users of consumer reports (adverse action notice)","claim_ids":["c1"],"accessed_at":"2026-08-03T00:36:42.874Z","prev":"genesis","hash":"551399d4e21fa1ee7d128cfaf12cd2b935d4a9ddc8bed0e62621199e2d8fcf93"},{"id":"s2","type":"primary_source","url":"https://www.nclc.org/hud-takes-aim-at-discriminatory-practices-by-tenant-screening-companies-and-housing-providers/","title":"HUD's 2024 Fair Housing Act guidance on tenant screening, including AI — NCLC press statement","claim_ids":["c1"],"accessed_at":"2026-08-03T00:36:42.874Z","prev":"551399d4e21fa1ee7d128cfaf12cd2b935d4a9ddc8bed0e62621199e2d8fcf93","hash":"9b7acbb736e99753978e27baf67a92831450843b5333b080eba2d4cefffb2251"},{"id":"s3","type":"primary_source","url":"https://www.nclc.org/resources/digital-denials-how-abuse-bias-and-lack-of-transparency-in-tenant-screening-harm-renters/","title":"Digital Denials — NCLC survey of attorneys and advocates on tenant screening (2023)","claim_ids":["c2"],"accessed_at":"2026-08-03T00:36:42.874Z","prev":"9b7acbb736e99753978e27baf67a92831450843b5333b080eba2d4cefffb2251","hash":"c5ca43fd3bde2dfc287047616de4cfdae648063df9b18b7bd0fd385ee32fa929"},{"id":"s4","type":"primary_source","url":"https://files.consumerfinance.gov/f/documents/cfpb_tenant-background-checks-market_report_2022-11.pdf","title":"CFPB, Tenant Background Checks Market Report (November 2022)","claim_ids":["c2"],"accessed_at":"2026-08-03T00:36:42.874Z","prev":"c5ca43fd3bde2dfc287047616de4cfdae648063df9b18b7bd0fd385ee32fa929","hash":"fbe8cb625373b280d8e121757b3d39e63f38c223418595493873eb0c4b1f8914"},{"id":"s9","type":"live_surface","url":"https://miscsubjects.com/a/adjudication-calibration-study","title":"Calibration, measured: 30 oracle-labelled cases through the production gate","claim_ids":["c4"],"accessed_at":"2026-08-03T00:36:42.874Z","prev":"fbe8cb625373b280d8e121757b3d39e63f38c223418595493873eb0c4b1f8914","hash":"f81446be362df62d2c4c01882b1cd2e8328278191e7f5f36f6a7ece07399d6e9"},{"id":"s10","type":"primary_source","url":"https://www.cohenmilstein.com/case-study/louis-et-al-v-saferent-solutions-et-al/","title":"Louis v. SafeRent Solutions — $2.275M settlement and injunctive relief (D. Mass., Nov. 20, 2024)","claim_ids":["c1"],"accessed_at":"2026-08-03T00:36:42.874Z","prev":"f81446be362df62d2c4c01882b1cd2e8328278191e7f5f36f6a7ece07399d6e9","hash":"b327ff50e990603cea08e70e8ee6f6bfccf7f7daf644f97df2a93e36d44a8f62"},{"id":"em_es_8b503106af5144c88696","type":"email","title":"Letter to Ariel Nelson (NCLC) — 2026-08-02","publisher":"miscsubjects.com","url":"https://miscsubjects.com/letter-nclc-2026-08-02","to_name":"Ariel Nelson (National Consumer Law Center)","to_email":"anelson@nclc.org","subject":"A per-applicant disposition record for tenant screening — an instrument, running, with its evidence public","sent_at":"2026-08-02","message_id":"es_8b503106af5144c88696","sha256":"90fa3b326e04f40cc3efc53b11877293c080eadd10b410a62dd3217892f4e13d","letter_url":"https://miscsubjects.com/letter-nclc-2026-08-02","claim_ids":[],"accessed_at":"2026-08-03T00:40:09.514Z","prev":"b327ff50e990603cea08e70e8ee6f6bfccf7f7daf644f97df2a93e36d44a8f62","hash":"7f45844b50e162e605beba798326b81c118f0a9e746199684ee95bc07875cdbb"},{"id":"s11","type":"live_surface","url":"https://miscsubjects.com/receipt/inv_kn2ltlf142","title":"The live run: three AFFIRMs, two derivation signatures, one escalation (this article's panel)","claim_ids":["c3"],"accessed_at":"2026-08-03T01:30:29.485Z","prev":"7f45844b50e162e605beba798326b81c118f0a9e746199684ee95bc07875cdbb","hash":"43cc00991002bc1781b554ade278e15661ce8712c020462b43fa676e710150fc"},{"id":"s12","type":"live_surface","url":"https://miscsubjects.com/receipt/inv_wl0rnh136b","title":"A sealed decision, opened: the genuine authorisation","claim_ids":["c3"],"accessed_at":"2026-08-03T01:30:29.485Z","prev":"43cc00991002bc1781b554ade278e15661ce8712c020462b43fa676e710150fc","hash":"a9f6e71ec8548a62c5cd7d3e99a4a45511dd77e4fbc9fa8498729545234b9e5d"},{"id":"s13","type":"live_surface","url":"https://miscsubjects.com/receipt/inv_7rqy8ywuls","title":"Abstention as a sealed outcome: NO_ACTION with the absence named","claim_ids":["c3"],"accessed_at":"2026-08-03T01:30:29.485Z","prev":"a9f6e71ec8548a62c5cd7d3e99a4a45511dd77e4fbc9fa8498729545234b9e5d","hash":"b4df1b98908d8afee94bc48fca56d380c179fe2dca76f64515222c39d8461392"},{"id":"em_es_0db8a57bfe074f629e11","type":"email","title":"Letter to Ariel Nelson (NCLC) — 2026-08-02","publisher":"miscsubjects.com","url":"https://miscsubjects.com/letter-nclc-run-2026-08-02","to_name":"Ariel Nelson (NCLC)","to_email":"anelson@nclc.org","subject":"An AI panel screened one applicant and refused to seal its own approval — the run, the refusal, and the receipts","sent_at":"2026-08-02","message_id":"","sha256":"d369c4989068cb5024d12e13c0865cdc79065c59733d78ff8e64f9f9a3283893","letter_url":"https://miscsubjects.com/letter-nclc-run-2026-08-02","claim_ids":[],"accessed_at":"2026-08-03T01:39:33.390Z","prev":"b4df1b98908d8afee94bc48fca56d380c179fe2dca76f64515222c39d8461392","hash":"5cae71989d692e6eccad6968db6cc5b0a32310958f6cce61bee7251b4fd60631"},{"id":"em_es_7a31b114f98b4d5694bd","type":"email","title":"Letter to Chi Chi Wu (NCLC) — 2026-08-02","publisher":"miscsubjects.com","url":"https://miscsubjects.com/letter-nclc-wu-2026-08-02","to_name":"Chi Chi Wu (NCLC)","to_email":"cwu@nclc.org","subject":"An AI panel screened one applicant and refused to seal its own approval — the run, the refusal, and the receipts","sent_at":"2026-08-02","message_id":"","sha256":"a019ad3de8ab52cae24ca3827435ab8c705a14b4dce9322133939d11df36c300","letter_url":"https://miscsubjects.com/letter-nclc-wu-2026-08-02","claim_ids":[],"accessed_at":"2026-08-03T01:39:33.390Z","prev":"5cae71989d692e6eccad6968db6cc5b0a32310958f6cce61bee7251b4fd60631","hash":"4f53f1b0d98734bd2ad2b194c9678677cf62a49c949a7e778f6f1918f3b3f043"},{"id":"em_es_c143fa77704846e49054","type":"email","title":"Letter to April Kuehnhoff (NCLC) — 2026-08-02","publisher":"miscsubjects.com","url":"https://miscsubjects.com/letter-nclc-kuehnhoff-2026-08-02","to_name":"April Kuehnhoff (NCLC)","to_email":"akuehnhoff@nclc.org","subject":"An AI panel screened one applicant and refused to seal its own approval — the run, the refusal, and the receipts","sent_at":"2026-08-02","message_id":"<3WJYogcGGMB3tuqBtb6J6jGPRrk371uWSZdj@miscsubjects.com>","sha256":"a71998938275eeb563c3dff7fef860603add9e4c2a47b62b4434edbd108454a0","letter_url":"https://miscsubjects.com/letter-nclc-kuehnhoff-2026-08-02","claim_ids":[],"accessed_at":"2026-08-03T01:39:33.390Z","prev":"4f53f1b0d98734bd2ad2b194c9678677cf62a49c949a7e778f6f1918f3b3f043","hash":"c6d37c960aaac59b408c76a9a0f3bbfa66de92849a0ec679552c8f23062d93cf"},{"id":"em_es_a8989165ffaf4e58aeb2","type":"email","title":"Letter to Eric Dunn (NHLP) — 2026-08-02","publisher":"miscsubjects.com","url":"https://miscsubjects.com/letter-nhlp-2026-08-02","to_name":"Eric Dunn (NHLP)","to_email":"edunn@nhlp.org","subject":"An AI panel screened one applicant and refused to seal its own approval — the run, the refusal, and the receipts","sent_at":"2026-08-02","message_id":"","sha256":"d689f521d4c753bf396336e8f5bc7895000cca3bc7fecc3cb222ead24e8e77e9","letter_url":"https://miscsubjects.com/letter-nhlp-2026-08-02","claim_ids":[],"accessed_at":"2026-08-03T01:39:33.390Z","prev":"c6d37c960aaac59b408c76a9a0f3bbfa66de92849a0ec679552c8f23062d93cf","hash":"664489e5d6e54fcad6290107b1ca77a5de121aef4b91222f86f09c5121f5203f"},{"id":"em_es_fece8f0b734f4a07b20a","type":"email","title":"Letter to Natasha Duarte (Upturn) — 2026-08-02","publisher":"miscsubjects.com","url":"https://miscsubjects.com/letter-upturn-2026-08-02","to_name":"Natasha Duarte (Upturn)","to_email":"natasha@upturn.org","subject":"An AI panel screened one applicant and refused to seal its own approval — the run, the refusal, and the receipts","sent_at":"2026-08-02","message_id":"<3jgryAD8W4UJ0JBx1ENweSAo3K5rITa1CLjN@miscsubjects.com>","sha256":"b8008a75aac0d4ab239c1d914ad9d92c9894439ba31e6799979a415543491709","letter_url":"https://miscsubjects.com/letter-upturn-2026-08-02","claim_ids":[],"accessed_at":"2026-08-03T01:39:33.390Z","prev":"664489e5d6e54fcad6290107b1ca77a5de121aef4b91222f86f09c5121f5203f","hash":"583f5c00b3f2210a890d53a4da3c6566d882ce212c1d0f81bc619f94e6d9f1df"}]}