Michigan 2025-2026 Regular Session

Michigan House Bill HB4264 Compare Versions

Only one version of the bill is available at this time.

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1	1	HOUSE BILL NO. 4264 A bill to prohibit employers from making certain recruiting or hiring decisions based on an individual's credit history; to prohibit employers from making certain inquiries; to prohibit certain waivers; to prohibit retaliation; and to provide remedies. the people of the state of michigan enact: Sec. 1. This act may be cited as the "job applicant credit privacy act". Sec. 3. As used in this act: (a) "Credit history" means information that is generally used in evaluating an individual's creditworthiness, credit standing, or credit capacity, such as a debt payment record or a credit score compiled by a consumer credit agency. (b) "Employer" means an individual or entity, or the agent of an individual or entity, that allows 1 or more individuals to work or accepts applications for employment. Sec. 5. (1) Except as otherwise provided in subsection (2), an employer shall not do either of the following: (a) Fail or refuse to hire or to recruit an individual for employment because of the individual's credit history. (b) Inquire about a job applicant's or potential job applicant's credit history. (2) The prohibition in subsection (1) does not prevent an inquiry or employment action if a good credit history is an established bona fide occupational requirement of a particular position or employment classification. Good credit history is considered to be an established bona fide occupational requirement of a particular position or employment classification of any of the following: (a) A state or nationally chartered bank or a bank holding company, or its affiliate or subsidiary. (b) A state or federally chartered savings and loan, savings bank, or credit union, or its affiliate or subsidiary. (c) A person licensed or registered under article 7 of the occupational code, 1980 PA 299, MCL 339.720 to 339.736. (d) A casino. Sec. 7. A person shall not retaliate or discriminate against an individual because the individual has done or was about to do any of the following: (a) Testify, assist, or participate in an investigation, proceeding, or action concerning a violation of this act. (b) Oppose a violation of this act. Sec. 9. An employer shall not require an individual to waive or limit any protection granted under this act as a condition of applying for or receiving an offer of employment. An agreement to waive any right or protection under this act is void. Sec. 11. (1) An individual who is injured by a violation of this act may bring a civil action to obtain damages or injunctive relief, or both. (2) The court shall award costs and reasonable attorney fees to an individual who prevails as a plaintiff in an action authorized under this section.
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25	25	HOUSE BILL NO. 4264
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29	29	A bill to prohibit employers from making certain recruiting or hiring decisions based on an individual's credit history; to prohibit employers from making certain inquiries; to prohibit certain waivers; to prohibit retaliation; and to provide remedies.
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31	31	the people of the state of michigan enact:
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33	33	Sec. 1. This act may be cited as the "job applicant credit privacy act".
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35	35	Sec. 3. As used in this act:
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37	37	(a) "Credit history" means information that is generally used in evaluating an individual's creditworthiness, credit standing, or credit capacity, such as a debt payment record or a credit score compiled by a consumer credit agency.
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39	39	(b) "Employer" means an individual or entity, or the agent of an individual or entity, that allows 1 or more individuals to work or accepts applications for employment.
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41	41	Sec. 5. (1) Except as otherwise provided in subsection (2), an employer shall not do either of the following:
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43	43	(a) Fail or refuse to hire or to recruit an individual for employment because of the individual's credit history.
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45	45	(b) Inquire about a job applicant's or potential job applicant's credit history.
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47	47	(2) The prohibition in subsection (1) does not prevent an inquiry or employment action if a good credit history is an established bona fide occupational requirement of a particular position or employment classification. Good credit history is considered to be an established bona fide occupational requirement of a particular position or employment classification of any of the following:
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49	49	(a) A state or nationally chartered bank or a bank holding company, or its affiliate or subsidiary.
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51	51	(b) A state or federally chartered savings and loan, savings bank, or credit union, or its affiliate or subsidiary.
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53	53	(c) A person licensed or registered under article 7 of the occupational code, 1980 PA 299, MCL 339.720 to 339.736.
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55	55	(d) A casino.
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57	57	Sec. 7. A person shall not retaliate or discriminate against an individual because the individual has done or was about to do any of the following:
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59	59	(a) Testify, assist, or participate in an investigation, proceeding, or action concerning a violation of this act.
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61	61	(b) Oppose a violation of this act.
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63	63	Sec. 9. An employer shall not require an individual to waive or limit any protection granted under this act as a condition of applying for or receiving an offer of employment. An agreement to waive any right or protection under this act is void.
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65	65	Sec. 11. (1) An individual who is injured by a violation of this act may bring a civil action to obtain damages or injunctive relief, or both.
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67	67	(2) The court shall award costs and reasonable attorney fees to an individual who prevails as a plaintiff in an action authorized under this section.