Bill > A01316

This bill prohibits employers, labor organizations, and employment agencies from requesting or using an individual's consumer credit history for employment purposes, with several specific exceptions. The term "consumer credit history" is broadly defined to include credit reports, credit scores, and detailed information about an individual's credit accounts, bankruptcies, judgments, and liens. Exceptions to this prohibition include positions that require background investigations, law enforcement roles, positions requiring bonding or security clearance, jobs with access to trade secrets or national security information, roles with financial responsibilities over $10,000, and positions that can modify digital security systems. State and municipal agencies are also prohibited from using consumer credit history for licensing or permitting purposes, with similar exceptions. The bill allows for obtaining credit history information through lawful subpoenas, court orders, or law enforcement investigations. Additionally, the Division of Human Rights is required to collect information from agencies and employers about their use of these exemptions and submit a report to the legislature within two years of the act's implementation. The law aims to prevent employment discrimination based on an individual's financial history, recognizing that credit reports may not be a fair or accurate reflection of an employee's capabilities or character.

Business and Industry, Housing and Urban Affairs

https://www.nysenate.gov/legislation/bills/2025/A1316