New York State Restricts Employer Use of Credit History

Starting April 18, 2026, an amendment to the New York Fair Credit Reporting Act will prohibit New York employers from obtaining or using consumer credit history, including credit reports, for hiring and other employment decisions. The amendment includes narrow exceptions, such as situations where reviewing credit history is required by state or federal law. The amendment applies to both applicants and current employees in the state of New York and classifies violations as an unlawful discriminatory practice.

Checkr Takeaway: Employers should review their New York background screening practices before April 2026 and remove credit history from employment screening unless a clear statutory exception applies.