Typically, mutual associations charge an annual membership fee.
Mutual associations serve approximately 60 to 70 percent of major metropolitan areas throughout the United States, includes the following: Atlanta, GA Houston, TX Pittsburgh, PA Baltimore, MD Los Angeles, CA St.
A mutual association is typically made up of businesses, such as retailers, financial institutions, and hospitality establishments - hotels, restaurants, heath care institutions, etc.
A mutual association acts as a clearinghouse for receiving, storing, and disseminating information about individuals involved in employment dishonesty, shoplifting, refund or credit card fraud, and passing bad checks.
Participation in a mutual association provides the member company with the ability to complete an efficient and inexpensive legal inquiry.
Prozzi, a,labor attorney with the law firm Jackson, Lewis, Schnitzler and Krupman in Pittsburgh, and legal counsel for the Employers Mutual Association of Pennsylvania, comments that section 1681h(e) of the FCRA states that no lawsuit for defamation, invasion of privacy, or negligence may be brought against a user or a provider of information unless it can be proven that false information was furnished with malice or willful intent to injure.
Prozzi points out that as long as a mutual association limits that data to only admitted or proven acts of dishonesty, it would be difficult or impossible for an individual to prove malice or willful intent based on the dissemination of the information.
Aldrich, vice president of loss prevention for the Joseph Home Company in Pittsburgh, states that the mutual association is an efficient and economical way to help reduce theft losses.
Keith Weiner, former district loss prevention manager for Toys-R-Us in Cleveland, points out that the mutual association program is an excellent resource for protecting a company against employee theft by screening out known thieves before they can be hired.