Bill > HB4264

This bill, known as the "Job Applicant Credit Privacy Act," aims to protect job applicants from employment discrimination based on their credit history. The bill defines credit history as information used to evaluate an individual's creditworthiness, such as debt payment records or credit scores. Generally, employers would be prohibited from refusing to hire or recruit an individual because of their credit history, and from inquiring about a job applicant's credit background. However, there are exceptions for certain financial institutions and businesses, including banks, credit unions, casinos, and some licensed financial entities, where good credit history may be considered a bona fide occupational requirement. The bill also includes protections against retaliation for individuals who report violations or participate in investigations, and employers cannot require job applicants to waive these protections as a condition of employment. If an employer violates the act, an injured individual can bring a civil action to seek damages or injunctive relief, and the court will award costs and attorney fees to a successful plaintiff. The overall intent is to prevent unfair hiring practices that discriminate against individuals based on their past financial circumstances.

Government Affairs

https://legislature.mi.gov/Bills/Bill?ObjectName=2025-HB-4264