“Client represents and warrants that it will not, and will not permit or enable any third-party to, use the Services (including Output) as a or as part of a "consumer report" as that term is defined in the FCRA”
This analysis describes what Plaid's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
Using Services data as part of a consumer report without FCRA compliance carries significant legal risk; the Client's representation and warranty means liability for any such use falls squarely on the Client.
The Client is prohibited from using the Services or Output as or as part of an FCRA consumer report and must ensure no third party it works with does so either.
How other platforms handle this
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"Client represents and warrants that it will not, and will not permit or enable any third-party to, use the Services (including Output) as a or as part of a "consumer report" as that term is defined in the FCRAExcerpt from Plaid's Terms of Use
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Using Services data as part of a consumer report without FCRA compliance carries significant legal risk; the Client's representation and warranty means liability for any such use falls squarely on the Client.
The Client is prohibited from using the Services or Output as or as part of an FCRA consumer report and must ensure no third party it works with does so either.
ConductAtlas has identified this type of provision across 237 platforms. See the full comparison.
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