The Benefits of a Regulatory Compliance Filter

Guard against Lawsuits
Automatically filter all information against criminal and housing record restrictions in your zip code.

Quality Transactional Data
Better filtering, better records. We're a risk solution that puts your regulatory compliance at the forefront.

Laser Focused on New Laws
We stay up-to-date on new and upcoming regulatory compliance, so you don't have to.

CIC Exclusive
We're the only risk solution that provides a legal filter to help you stay on top of regulatory compliance.
Regulatory Compliance Tool
The Benefits of a Regulatory Compliance Filter

Guard against Lawsuits
Automatically filter all information against criminal and eviction record restrictions in your zip code.

Laser Focused on New Laws
We stay up-to-date on new and upcoming regulatory compliance, so you don't have to be.

Quality Transactional Data
Better filtering, better records. We're a risk solution that puts your regulatory compliance at the forefront.

CIC Exclusive
We're the only risk solution that provides a legal fiter to help you stay on top of regulatory compliance.
It's our mission to provide you with quality risk management solutions, and CIC's regulatory compliance filter is a part of the package.

What is CIC's Regulatory Matrix?
CIC’s exclusive Regulatory Matrix takes the criminal and housing court records that you rely on and scans for national, state, and county restrictions. We do this automatically and without extra charge for CIC clients.
Why is a Regulatory Compliance Tool Important?
By filtering the public records further, CIC helps safeguard you from lawsuits!
When you use our transactional data within your resident screening evaluation process, our filtering tool will help you with regulatory compliance. Our Regulatory Matrix makes it harder to use public record information you legally aren’t supposed to.


How We Filter Public Records
When doing a public records search, CIC will require you to input your zip code (or for multifamily housing purposes, the property’s zip code). The Matrix will then search for all legislation that could affect your public records’ use. This includes laws that restrict or outright ban the use of certain public records, including restrictions due to COVID-19.
Independent Compliance Can Be Tricky
Risk solutions that provide housing and criminal records without a legal filter force businesses to dedicate additional resources towards compliance. While it’s vital you stay aware of new legislation, CIC’s compliance tool will automatically filter prohibited information for you.
Click on the dark green on the map or read below to discover some examples of restrictions CIC covers.

Regulatory Matrix ( copy) ( copy)
SB91
California bill SB91 focuses on COVID-19 rental debt. This law automatically seals court records that include evictions based on COVID-19 related rent delays or failures so that housing providers cannot see them in their record searches. It is also designed to prevent housing providers from using pandemic-related debts in their housing decisions or as a basis to refuse to rent to a person with such financial troubles as long as they are an otherwise qualified tenant. The time period covered is between March 1st, 2020 and June 30th, 2021.
HB 2877
HB 2877 requires all eviction records dated between March 9, 2020 and March 31, 2022 to be sealed so a rental housing provider cannot see it during the resident screening process. Otherwise known as COVID-19-EMERG Housing ASSIST, this law was designed to create protective measures for residents, homeowners, and rental housing providers alike by sealing all eviction records between early March 9, 2020 and March 31st of 2022. Unless extended, this should last until July 31, 2022.
Just Housing Ordinance; Cook County, IL
Cook County, Illinois passed the Just Housing Ordinance in April, 2019. The bill restricts criminal public records to 3 years (industry standard is 7 years) for use in rental housing decisions. This went into effect on February 1, 2020.
Bill 49-20; Montgomery County, MD
This law limits how rental housing providers may search and use criminal records. It limits the ability to make housing decisions on the basis of past arrests or misdemeanors. Rental property owners cannot inquire into or consider whether their applicant has been arrested for or has an arrest record for, if it did not result in a conviction. This specifically prohibits inquiries into misdemeanors or arrests like trespassing, theft, indecent exposure, public urination, open containers, use of marijuana, etc. This bill was signed into law on April 20th, 2021, and is effective as of July 29th, 2021.
Ordinance 21-0352; Ann Arbor, MI
The City of Anne Arbor’s Ordinance 21-0352, or Fair Chance Housing Ordinance, bans rental housing property owners from inquiring about their applicant’s criminal history. It also bans them from requiring those applicants to disclose said history, and from using that information in their decision-making process. This ordinance passed on April 5th, 2021.
The New Jersey Fair Chance in Housing Act (S-250 & A-1919)
The New Jersey Fair Chance in Housing Act may be considered the strongest limitation on a rental housing provider’s ability to consider criminal history records. It is to ascertain housing rights for those with criminal records with a tiered system based on severity of the crime so that higher offenses such as murder may still be found. The Fair Chance in Housing Act passed both houses on June 3, 2021 and was approved on the 18th of the same month.
Real Property Law Section 227-F
New York effectively banned eviction data use in 2019. Real Property Law Section 227-F or the Housing Stability and Tenant Protection Act made it illegal for rental housing providers to use an eviction record in their decision making, either a prior eviction or pending litigation of the matter.
SB 282
Oregon Senate Bill 282 affects how rental housing providers report a resident’s history of nonpayment. It prevents rental housing providers from reporting to any consumer reporting agency regarding a resident’s nonpayment of rent or other charges and fees in the period between April 1, 2020 to July 1st, 2021. In addition, a housing provider cannot consider actions taken to recover possession of the rental property regarding those fees when considering a new resident. This bill passed on June 10, 2021 and went into effect on May 19th, 2021.
Interactive map for example purposes only. New record litigation may extend to additional states.
Cook County
Cook County, Illinois passed a Just Housing Ordinance that bans use of records older than three years. If an applicant was convicted of a major crime, and served 4+ years in prison for it – that criminal record cannot be considered when making a housing decision because the conviction is older than 3 years. Using that information could be grounds for a lawsuit, but the Regulatory Matrix would catch this and remove it from the consumer report before it could cause a problem.
New York City
New York City banned the use of an eviction database scan when screening rental applicants. By using the Regulatory Matrix, a property listed in the Big Apple would not see any such information while screening, thus protecting end-users.
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Regulatory Compliance Tool
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The Benefits of a Regulatory Compliance Filter

Guard against Lawsuits
Automatically filter all information against criminal and housing record restrictions in your zip code.

Laser Focused on New Laws
We stay up-to-date on new and upcoming regulatory compliance, so you don't have to.

Quality Transactional Data
Better filtering, better records. We're a risk solution that puts your regulatory compliance at the forefront.

CIC Exclusive
We're the only risk solution that provides a legal filter to help you stay on top of regulatory compliance.
It's our mission to provide you with quality risk management solutions, and CIC's regulatory compliance filter is a part of the package.

What is CIC's Regulatory Matrix?
CIC’s exclusive Regulatory Matrix takes the criminal and housing court records that you rely on and scans for national, state, and county restrictions. We do this automatically and without extra charge for CIC clients.
Why is a Regulatory Compliance Tool Important?
By filtering the public records further, CIC helps safeguard you from lawsuits!
When you use our transactional data within your resident screening evaluation process, our filtering tool will help you with regulatory compliance. Our Regulatory Matrix makes it harder to use public record information you legally aren’t supposed to.


How We Filter Public Records
When doing a public records search, CIC will require you to input your zip code (or for multifamily housing purposes, the property’s zip code). The Matrix will then search for all legislation that could affect your public records’ use. This includes laws that restrict or outright ban the use of certain public records, including restrictions due to COVID-19.
Independent Compliance Can Be Tricky
Risk solutions that provide housing and criminal records without a legal filter force businesses to dedicate additional resources towards compliance. While it’s vital you stay aware of new legislation, CIC’s compliance tool will automatically filter prohibited information for you.
Click on the dark green on the map or read below to discover some examples of restrictions CIC covers.

Regulatory Matrix Mobile
SB91
California bill SB91 focuses on COVID-19 rental debt. This law automatically seals court records that include evictions based on COVID-19 related rent delays or failures so that housing providers cannot see them in their record searches. It is also designed to prevent housing providers from using pandemic-related debts in their housing decisions or as a basis to refuse to rent to a person with such financial troubles as long as they are an otherwise qualified tenant. The time period covered is between March 1st, 2020 and June 30th, 2021.
HB 2877
HB 2877 requires all eviction records dated between March 9, 2020 and March 31, 2022 to be sealed so a rental housing provider cannot see it during the resident screening process. Otherwise known as COVID-19-EMERG Housing ASSIST, this law was designed to create protective measures for residents, homeowners, and rental housing providers alike by sealing all eviction records between early March 9, 2020 and March 31st of 2022. Unless extended, this should last until July 31, 2022.
Just Housing Ordinance; Cook County, IL
Cook County, Illinois passed the Just Housing Ordinance in April, 2019. The bill restricts criminal public records to 3 years (industry standard is 7 years) for use in rental housing decisions. This went into effect on February 1, 2020.
Bill 49-20; Montgomery County, MD
This law limits how rental housing providers may search and use criminal records. It limits the ability to make housing decisions on the basis of past arrests or misdemeanors. Rental property owners cannot inquire into or consider whether their applicant has been arrested for or has an arrest record for, if it did not result in a conviction. This specifically prohibits inquiries into misdemeanors or arrests like trespassing, theft, indecent exposure, public urination, open containers, use of marijuana, etc. This bill was signed into law on April 20th, 2021, and is effective as of July 29th, 2021.
Ordinance 21-0352; Ann Arbor, MI
The City of Anne Arbor’s Ordinance 21-0352, or Fair Chance Housing Ordinance, bans rental housing property owners from inquiring about their applicant’s criminal history. It also bans them from requiring those applicants to disclose said history, and from using that information in their decision-making process. This ordinance passed on April 5th, 2021.
The New Jersey Fair Chance in Housing Act (S-250 & A-1919)
The New Jersey Fair Chance in Housing Act may be considered the strongest limitation on a rental housing provider’s ability to consider criminal history records. It is to ascertain housing rights for those with criminal records with a tiered system based on severity of the crime so that higher offenses such as murder may still be found. The Fair Chance in Housing Act passed both houses on June 3, 2021 and was approved on the 18th of the same month.
Real Property Law Section 227-F
New York effectively banned eviction data use in 2019. Real Property Law Section 227-F or the Housing Stability and Tenant Protection Act made it illegal for rental housing providers to use an eviction record in their decision making, either a prior eviction or pending litigation of the matter.
SB 282
Oregon Senate Bill 282 affects how rental housing providers report a resident’s history of nonpayment. It prevents rental housing providers from reporting to any consumer reporting agency regarding a resident’s nonpayment of rent or other charges and fees in the period between April 1, 2020 to July 1st, 2021. In addition, a housing provider cannot consider actions taken to recover possession of the rental property regarding those fees when considering a new resident. This bill passed on June 10, 2021 and went into effect on May 19th, 2021.
SB91
California bill SB91 focuses on COVID-19 rental debt. This law automatically seals court records that include evictions based on COVID-19 related rent delays or failures so that housing providers cannot see them in their record searches. It is also designed to prevent housing providers from using pandemic-related debts in their housing decisions or as a basis to refuse to rent to a person with such financial troubles as long as they are an otherwise qualified tenant. The time period covered is between March 1st, 2020 and June 30th, 2021.
HB 2877
HB 2877 requires all eviction records dated between March 9, 2020 and March 31, 2022 to be sealed so a rental housing provider cannot see it during the resident screening process. Otherwise known as COVID-19-EMERG Housing ASSIST, this law was designed to create protective measures for residents, homeowners, and rental housing providers alike by sealing all eviction records between early March 9, 2020 and March 31st of 2022. Unless extended, this should last until July 31, 2022.
Just Housing Ordinance; Cook County, IL
Cook County, Illinois passed the Just Housing Ordinance in April, 2019. The bill restricts criminal public records to 3 years (industry standard is 7 years) for use in rental housing decisions. This went into effect on February 1, 2020.
Bill 49-20; Montgomery County, MD
This law limits how rental housing providers may search and use criminal records. It limits the ability to make housing decisions on the basis of past arrests or misdemeanors. Rental property owners cannot inquire into or consider whether their applicant has been arrested for or has an arrest record for, if it did not result in a conviction. This specifically prohibits inquiries into misdemeanors or arrests like trespassing, theft, indecent exposure, public urination, open containers, use of marijuana, etc. This bill was signed into law on April 20th, 2021, and is effective as of July 29th, 2021.
Ordinance 21-0352; Ann Arbor, MI
The City of Anne Arbor’s Ordinance 21-0352, or Fair Chance Housing Ordinance, bans rental housing property owners from inquiring about their applicant’s criminal history. It also bans them from requiring those applicants to disclose said history, and from using that information in their decision-making process. This ordinance passed on April 5th, 2021.
The New Jersey Fair Chance in Housing Act (S-250 & A-1919)
The New Jersey Fair Chance in Housing Act may be considered the strongest limitation on a rental housing provider’s ability to consider criminal history records. It is to ascertain housing rights for those with criminal records with a tiered system based on severity of the crime so that higher offenses such as murder may still be found. The Fair Chance in Housing Act passed both houses on June 3, 2021 and was approved on the 18th of the same month.
Real Property Law Section 227-F
New York effectively banned eviction data use in 2019. Real Property Law Section 227-F or the Housing Stability and Tenant Protection Act made it illegal for rental housing providers to use an eviction record in their decision making, either a prior eviction or pending litigation of the matter.
SB 282
Oregon Senate Bill 282 affects how rental housing providers report a resident’s history of nonpayment. It prevents rental housing providers from reporting to any consumer reporting agency regarding a resident’s nonpayment of rent or other charges and fees in the period between April 1, 2020 to July 1st, 2021. In addition, a housing provider cannot consider actions taken to recover possession of the rental property regarding those fees when considering a new resident. This bill passed on June 10, 2021 and went into effect on May 19th, 2021.
Interactive map for example purposes only. New record litigation may extend to additional states.
Cook County
Cook County, Illinois passed a Just Housing Ordinance that bans use of records older than three years. If an applicant was convicted of a major crime, and served 4+ years in prison for it – that criminal record cannot be considered when making a housing decision because the conviction is older than 3 years. Using that information could be grounds for a lawsuit, but the Regulatory Matrix would catch this and remove it from the consumer report before it could cause a problem.
New York City
New York City banned the use of an eviction database scan when screening rental applicants. By using the Regulatory Matrix, a property listed in the Big Apple would not see any such information while screening, thus protecting end-users.