,i  #aafth ,,congress  #ast ,session    
,h4 ,r4 #chfb  ,,in ,,the ,,house ,,of  
,,representatives  ,july #ai1 #bjai,mr4 
,cohen introduced the following bill2   
which was referred to the ,committee on 
,financial ,services  ,a ,,bill  ,to    
amend the ,fair ,credit ,reporting ,act 
to prohibit the use of consumer credit  
checks against prospective and current  
employees for the purposes of making    
adverse employment decisions4  #a4      
,short title ,this ,act may be cited as 
the ,equal ,employment for ,all ,act of 
#bjai4  #b4 ,use of credit checks       
prohibited for employment purposes      
,section #fjd of the ,fair ,credit      
,reporting ,act 7#ae ,u4,s4,c4 #afha;b7 
is amended--  7#a7 in subsection        
7a77#c77;,b71 by inserting 1 subject to 
the requirements of subsection 7b7 after
 purposes2 and  7#b7 in subsection 7b7--
  7,a7 in paragraph 7#a7-- 7i7 by       
amending the paragraph heading to read  
as follows3 ,use of consumer reports for
 employment purposes2  7ii7 in          

subparagraph 7,a71 by redesignating     
clauses 7i7 and 7ii7 as subclauses 7,i7 
and 7,,ii71 respectively1 and by moving 
such subclauses two ems to the right2   
7iii7 by redesignating subparagraphs    
7,a7 and 7,b7 as clauses 7i7 and 7ii71  
respectively1 and by moving such clauses
 two ems to the right2  7iv7 by striking
 the period at the end of clause 7ii7   
7as so redesignated7 and inserting 2    
and2  7v7 by striking agency may furnish
 and inserting  agency-- 7,a7 may       
furnish  2 and  7vi7 by adding at the   
end the following new subparagraph3     
7,b7 except as provided in paragraph    
7#e71 may not furnish a consumer report 
with respect to any consumer in which   
any information contained in the report 
bears on the consumer's                 
creditworthiness1 credit standing1 or   
credit capacity to an employer if the   
employer seeks to use such information  
in a denial of employment or any other  
decision made for employment purposes4  
2 and  7,b7 by adding at the end the    

following new paragraph3  7#e7          
,requirements for consumer reports      
bearing on the consumer's               
creditworthiness1 credit standing1 or   
credit capacity  7,a7 ,exceptions ,an   
employer may use a consumer report with 
respect to any consumer in which any    
information contained in the report     
bears on the consumer's                 
creditworthiness1 credit standing1 or   
credit capacity in a decision made for  
employment purposes or before taking an 
adverse action for employment purposes  
only if the consumer authorizes the     
procurement of the report as described  
in paragraph 7#b77;,a77ii7 and--  7i7   
the consumer applies for1 or currently  
holds1 employment that requires the     
consumer to be eligible for access to   
classified information2 or  7ii7 when   
otherwise required by law4  7,b7        
,limitation ,a person who seeks to      
obtain or use a consumer report with    
respect to any consumer in which any    
information contained in the report     

bears on the consumer's                 
creditworthiness1 credit standing1 or   
credit capacity may not deny employment 
to the consumer or make any other       
decision for employment purposes with   
respect to the consumer because the     
consumer has not authorized the         
procurement of the report as described  
in paragraph 7#b77;,a77ii74  4