H4450
An Act regulating the use of credit reports by employers
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- Passed House
- Passed Senate
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- Became Law
Bill overview
This bill aims to limit the use of credit reports by employers in Massachusetts. It prohibits employers from requesting or using an applicant’s credit report unless it is job-related and consistent with business necessity. The bill also establishes a process for applicants to dispute inaccurate information on their credit reports before an employer makes a hiring decision. It seeks to protect job seekers from potential discrimination based on credit history.
Key provisions
- Employers generally cannot request credit reports from applicants.
- Credit reports may only be used if job-related and consistent with business necessity.
- Applicants have the right to dispute inaccurate information on their credit reports.
- Employers must provide applicants with a reasonable explanation if a credit report is used.
- The bill establishes a process for applicants to challenge the use of their credit report.
- The bill applies to private employers and public employers.
- The bill includes provisions for exemptions related to certain positions (e.g., financial roles).
- The bill requires employers to maintain records of credit report requests and usage.
Who is affected
- Job applicants
- Employers
- Massachusetts residents
- The labor market
- Financial institutions
Notable changes
- This bill restricts the use of credit reports for employment decisions, expanding upon existing protections.
Sponsors
Official sponsors from legislative records.
Primary sponsor
Joint Committee on Labor and Workforce Development
Cosponsor
Kenneth I. Gordon
Arguments in favor
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Bill H.4450 194th (Current)
An Act regulating the use of credit reports by employers
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Bill Information
Bill Information
Sponsor: Joint Committee on Labor and Workforce Development Status: Referred to House Committee on Bills in the Third Reading
Tabs
Bill History Cosponsors Committee Vote
Bill History
Displaying 6 actions for Bill H.4450
| Date | Branch | Action |
| 9/4/2025 | House | Reported from the committee on Labor and Workforce Development |
| 9/4/2025 | House | New draft of H2119 |
| 9/4/2025 | House | Bill reported favorably by committee and referred to the committee on House Steering, Policy and Scheduling |
| 10/6/2025 | House | Committee reported that the matter be placed in the Orders of the Day for the next sitting for a second reading |
| 10/8/2025 | House | Rules suspended |
| 10/8/2025 | House | Read second and ordered to a third reading |
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