Benefit — FCRA stance
What Snapshot-grade FCRA stance actually saves you
FCRA carries statutory + punitive damages + class-action reach. Dated retention discipline is the single largest lever in class-cert opposition and dispute-response defensibility.
The three moments where it matters
- Individual dispute response. Applicant disputes the adverse-action reason. Dated model-version + input-snapshot record makes the dispute response fast and accurate.
- Rule 23 class-cert filing. Named-plaintiff FCRA class actions live or die on typicality. Dated per-decision provenance record disrupts typicality.
- State AG parallel action. FCRA has state-AG concurrent enforcement. Same records answer multiple venues.
Dollar frame
Individual FCRA damages: actual + up to $1K statutory + punitive + attorneys' fees per plaintiff. Class-scale multiplier is the real cost driver.
Class-action settlement range: $10M-$100M+ for mortgage FCRA class actions. Defense cost floor $2M.
Preventive stance value: $499 Snapshot documents the retention discipline. Class-cert opposition rests on demonstrable per-decision records.
Who at your org cares
- General Counsel — class-cert opposition
- Chief Compliance Officer — dispute-response process
- Head of Adverse-Action Notice — accuracy documentation
- CIO — retention pipeline reality
- Chief Risk Officer — class-action reserve modeling
What "having it" looks like
Green: Snapshot on file. Every disputed decision reproduces cleanly. Class-cert opposition brief has statistical + procedural anchors.
Red: Decision records rotated with the model. Dispute responses drift into "we cannot say why the AI declined." Class-cert filing lands with typicality argument on operator side of the ledger.
$499. 3 business days.
The dated retention proof your GC + Chief Compliance Officer want on file BEFORE the dispute or class-cert filing lands.
Buy $499