ICRAA — California Investigative Consumer Reporting Agencies Act · vCalifornia Investigative Co…

ICRAA — California Investigative Consumer Reporting Agencies Act

ICRAA — California Investigative Consumer Reporting Agencies Act — 88% of in-scope requirements covered.

5 requirements · 4 in scope (3 enforced · 1 designed) · 1 out-of-scope (outside KYE™’s authority layer). The 88% is weighted over the in-scope base.

Source: California Investigative Consumer Reporting Agencies Act, Cal. Civ. Code §1786 et seq. (esp. §1786.12 permissible purpose, §1786.16 written notice + authorization + nature-and-scope disclosure, §1786.40 adverse action, §1786.10 accuracy, §1786.22/§1786.24 consumer copy + dispute). · License: ICRAA and the California Civil Code are public statutory works; the KYE™ registry paraphrases each requirement's intent and cites the statutory section for mapping purposes only.

By category

Category	Reqs	Enforced	Designed	Coverage
Investigative-report use authority at the procurement/decision boundary	1	1	0	100%
California written notice + written authorization + nature-and-scope disclosure	1	1	0	100%
Adverse-action-on-investigative-report notice (reasons + agency identity)	1	1	0	100%
Consumer copy + dispute / reinvestigation route	1	0	1	50%
Investigative-report content accuracy & agency reinvestigation duties	1	0	0	0%

Every requirement → the KYE™ artefact that enforces it

ID	Title	Status	KYE™ enforcement
`icraa.investigative-report-use-authority`	Procuring or acting on an investigative consumer report executes only under a recorded named-authority decision with a permissible purpose (Cal. Civ. Code §1786.12)	enforced	rule_packs: `kye:rule-pack:consumer-reporting` dictionaries: `internal` engines: `internal`, `internal` audit_events: `kye.purpose.request.v1`, `kye.purpose.admissibility.v1` constitution_refs: `constitution/12-PURPOSE-PERMISSION.md`
`icraa.written-consent-and-nature-scope-disclosure`	An investigative consumer report is not procured until the consumer's clear-and-conspicuous written notice, written authorization, and nature-and-scope disclosure are recorded (Cal. Civ. Code §1786.16)	enforced	rule_packs: `kye:rule-pack:consumer-reporting` dictionaries: `internal` engines: `internal`, `internal` audit_events: `kye.purpose.admissibility.v1`, `kye.evidence.decision_map.v1` constitution_refs: `constitution/12-PURPOSE-PERMISSION.md`, `constitution/13-RESILIENCE-LOOP.md`
`icraa.adverse-action-notice`	An adverse action based in whole or in part on an investigative consumer report carries a Decision Map™ identifying the report's contribution and the named agency, bound to a contestability route (Cal. Civ. Code §1786.40)	enforced	rule_packs: `kye:rule-pack:consumer-reporting` engines: `internal`, `internal` audit_events: `kye.evidence.decision_map.v1`, `kye.evidence.pack.v1` constitution_refs: `constitution/13-RESILIENCE-LOOP.md`, `constitution/61-RIGHTS-DISPUTES-DISCLOSURE-RAIL.md`
`icraa.consumer-copy-and-dispute-route`	The consumer's right to a copy of the investigative report and a dispute / reinvestigation route is bound to the decision as a contestability route (Cal. Civ. Code §1786.22 / §1786.24)	designed	engines: `internal` audit_events: `kye.resilience.contestation.v1` constitution_refs: `constitution/21-DELEGATED-AUDITABILITY.md`, `constitution/61-RIGHTS-DISPUTES-DISCLOSURE-RAIL.md`
`icraa.report-accuracy-and-agency-reinvestigation`	The accuracy of the investigative-report contents and the agency's §1786.10 / §1786.24 reinvestigation duties are determined and discharged by the agency	out-of-scope	(no enforcement cited)