Non-FCRA data is information used for business purposes, such as verifying a company or vetting a vendor, that falls outside the Fair Credit Reporting Act (FCRA). The FCRA governs data used to make decisions about individual consumers, like credit, employment, or housing. Public records about businesses, used for business decisions, are not consumer reports and are not covered by it.
The FCRA regulates consumer reporting agencies and the use of consumer reports for eligibility decisions about people: extending credit, hiring, renting, insuring. It exists to protect individuals. It does not govern the use of public business records to decide whether to onboard a vendor, verify a company, or run diligence on a counterparty, because those are business-to-business decisions.
A tool that indexes business registrations, licenses, liens, and government spending, and excludes private individuals, operates in the non-FCRA, business-purpose lane. That means it can serve KYB and due diligence use cases directly. It also means the data must not be used for FCRA-covered decisions about individual consumers, which is a different legal regime entirely.
Related on Amalgament: Learn: KYB · Acceptable use
No. If data is used to make eligibility decisions about an individual (employment, credit, housing), that use is FCRA-covered and requires an FCRA-compliant consumer reporting agency, regardless of where the data came from.
Excluding private individuals keeps the product squarely in the business-purpose lane, serving KYB and diligence use cases while staying out of the consumer-reporting regime the FCRA governs.
More terms: KYB (Know Your Business) · UCC filing (UCC-1) · APN (Assessor's Parcel Number) · MCP server · Entity resolution · Business registry (Secretary of State filing) · UEI and SAM.gov · Context layer (for AI)