Missouri Rental Application Form

Last Updated: February 24, 2022 by Elizabeth Souza

The Missouri rental application form is a document that landlords send out to prospective tenants to determine whether or not they are preferable tenants. The information requested is used for background screening purposes and relates to rental history, eviction history, and financial information.

Missouri Laws on Rental Application Fees

In Missouri, there is no limit or maximum rental application fee a landlord can charge a prospective tenant. It’s advised to not charge more than the average out-of-pocket expense, but ultimately the determination of the fee is at the sole discretion of the landlord.

Additionally, if a prospective tenant’s application is approved, according to Missouri state law, a landlord may only charge up to two months’ rent for a security deposit. Missouri landlords are not required to provide a receipt for the security deposit and the funds must be held in a federally insured financial institution.

What Missouri Rental Application Forms Can’t Ask About

The Federal Fair Housing Act makes it illegal to discriminate against the following protected classes:

  • Race
  • Color
  • National Origin (Nationality)
  • Religion
  • Sex
  • Familial Status (Having or not having children)
  • Disability (Physical or Mental)

Missouri state laws add additional protections for the following class:

  • Ancestry

Asking about this item on a rental application form (and/or using it to base an application decision on) is illegal.

Exemptions from Fair Housing laws do exist. In Missouri, the following exemptions are allowed:

  • Familial Status – it is acceptable to ask about and base an application decision on if children will occupy the rented premises in any two-family owner-occupied buildings.
  • Age – landlords may ask for an applicant’s age in the case of age-specific communities, such as senior housing or 55+ communities, due to the Housing for Older Persons exemption.
  • Owner Occupied Properties – if an owner lives in one of the units of a single-family property, it has 4 dwellings or less and the owner represents themselves during the leasing process, then they are exempt from abiding by FHA laws under the “Mrs. Murphy” exemption. However, race can never be a deciding factor (per the Civil Rights Act of 1866) and there cannot be any discriminatory advertisements to discourage applicants of a certain group.
  • Religious Organizations – religion can be used as a basis for giving preference to certain applicants for property that is owned, operated, supervised, or controlled by a religious organization that does not rent for commercial purposes. However, other protected classes may not be the basis for making a decision as a result of this exemption. 42 U.S. Code § 3607
  • Private Clubs – private clubs that operate without public access or commercial intent may provide preferential treatment of applications for lodgings owned or operated by the club. 42 U.S. Code § 3607

Before a landlord can run a credit check based on the prospective tenant’s information on the submitted rental application, the Federal Credit Reporting Act requires that written consent must be given by the applicant. This written consent can be given via a statement of such and signature on the rental application form itself, or via a separate consent form (such as this one).

Processing a Rental Application

The next step in the tenant screening process is to use the information on the rental application form to conduct a background check:

  • Credit Check – subject to the tenant’s written consent, a credit check will either provide a simpler “pass/fail” report, or a full credit report including the tenant’s credit score and information about their income, employment, past addresses, credit inquiries and more.
  • Eviction Check – an eviction check aims to show the tenant’s history of eviction filings or judgments against them at any point in the last 7 years.
  • Criminal History Check – a criminal history check aims to show any records involving the tenant in state court criminal records or in databases such as the national sex offender public registry.

Missouri landlords have a couple of options when it comes to accessing public records for background checks.

In addition to third-party software that collects the information landlords need, the state’s Judicial Court Directory provides an on-demand public record requesting system at no cost.

To access the eviction records:

  • Visit the Missouri Courts Homepage.
  • Select “Search for a Case”.
  • Enter the applicant’s last name into the “Last Name” field in the required information section, and choose the applicable court (if known).
  • Choose “Civil” from the dropdown menu under the “Case Type” field.
  • Press “Find” to return a list of all the results, which can be selected to view information relating to the case.

Adverse Action Notices

If you acquire a consumer report for an applicant (i.e., credit, eviction or criminal history) and take an “adverse action” against them such as any of the following:

  • Rejecting the applicant
  • Requiring a co-signer (when they didn’t include one before)
  • Requiring a larger security deposit
  • Requiring higher rent

Then you are legally required to provide the tenant with a notice letter that includes certain details, known as an “adverse action notice”. This is required even if the consumer report’s information wasn’t the primary reason for the action.

The notice must include details about the consumer reporting agency, an explanation that they didn’t take the adverse action themselves (and can’t explain why it was made) and a statement on the applicant’s right to a copy of the report and to dispute its contents within 60 days. Additionally, when rejecting an applicant, it’s recommended to specify the reason (but not legally required).

For an example, see this tenant rejection letter template.