Field notes
Notes from building this. Mostly about clocks, records and the difference between a rule you know and a rule your system can prove you followed.
Written by the people who shipped the thing being described. No guest posts, no syndication.
What starts the 30 day clock, and what does not
The FCRA 611 reinvestigation window starts on receipt of notice, not on the day the letter was written. The difference is worth building for.
Dara Whitfield, Compliance engineering
Advance fees are a data model problem
CROA says no fee before the service is fully performed. Most systems treat that as a policy. It is cheaper to treat it as a foreign key.
Marcus Ibe, Platform
What a reinvestigation record has to hold
A description of the procedure used to determine accuracy is a right with a fifteen day clock attached. Here is the record shape that survives.
Dara Whitfield, Compliance engineering
Migrating 940 open cases without losing a clock
What we learned importing live dispute cases from an in house application, and why flagging thirty of them was the right answer.
Priya Ramanathan, Implementation