Ban on Credit Checks for Most Employment Decisions
This new bill aims to limit employers' ability to check job applicants' credit history. It seeks to help individuals with less-than-perfect credit find employment, especially those whose financial issues stem from uncontrollable circumstances like job loss or sudden medical expenses. The law is set to take effect two years after its enactment.
Key points
Employers will generally be prohibited from using credit information for most hiring decisions, with limited exceptions for legal requirements or national security investigations.
If a credit check is permitted, the employer must clearly explain the reason and cannot pass the cost to the applicant.
The bill intends to reduce employment discrimination, particularly against ethnic minorities and individuals facing financial hardship.
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