When FCRAFILTER=true or unspecified, the search results are limited based on some of the exclusions in section 605(a) for the FCRA, notably those with respect to non-convictions older than seven years.
When FCRAFILTER=false, the search exclusions in section 605(a) are overridden as allowed under the conditions of section 605(b), most notably with respect to consumer credit report to be used in connection with employment of any individual at or above a minimum specified annual salary level.