Federal RuleAug 21
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DOL Rewrites Disability Rules for 'Merit-Based Opportunity' Push
RuleLabor DepartmentFederal Contract Compliance Programs OfficeSignificant Wallet
119-hr-5354119th CongressWALLET
Equal Employment for All Act of 2025
Sponsored By: Representative Cohen, Steve [D-TN-9]
Introduced
Summary
Bans most employers from using consumer credit reports to make hiring, promotion, discipline, or firing decisions. The bill would bar prospective and current employers from obtaining or relying on consumer or investigative reports about creditworthiness, with two narrow exceptions for national security clearances and uses required by law, and it would keep all existing Fair Credit Reporting Act disclosure and notice duties.
Show full summary
- Job applicants and employees — Would no longer be screened or penalized based on credit reports for most roles. They would still get FCRA disclosures and notifications when reports are used under the narrow exceptions.
- Employers and HR teams — Would be prohibited from buying or relying on credit-based consumer reports for employment actions except for national security or legally required uses. They would need to revise background-check and adverse-action policies.
- Consumer reporting agencies and legal compliance teams — The bill renumbers FCRA subsections and changes cross-references, requiring technical updates to forms, contracts, and compliance materials.
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Bill Overview
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
Limits on employer credit checks for jobs
This bill would bar most employers from using credit-related information to hire, fire, or promote you. It would cover both job seekers and current employees. Even if you consent, it would still be banned unless the job needs a national security clearance or another law requires it. You could not be denied a job or punished for refusing to authorize a credit check. If an employer uses a report under an allowed exception, it would still need to give all required Fair Credit Reporting Act notices.
Sponsors & CoSponsors
Sponsor
Cohen, Steve [D-TN-9]
TN • D
Cosponsors
Rep. Davis, Danny K. [D-IL-7]
IL • D
Sponsored 9/15/2025
Rep. Mullin, Kevin [D-CA-15]
CA • D
Sponsored 9/15/2025
Del. Norton, Eleanor Holmes [D-DC-At Large]
DC • D
Sponsored 9/15/2025
Rep. Schakowsky, Janice D. [D-IL-9]
IL • D
Sponsored 9/15/2025
Roll Call Votes
No roll call votes available for this bill.
View on Congress.gov