New York Assembly Bill A09475

New York 2025-2026 Regular Session

• Introduced: 1/7/26
• Refer: 1/7/26
• Report Pass: 1/12/26
• Refer: 1/12/26

Caption

Prohibits the use of consumer credit history in hiring, employment and licensing determinations.

Impact

If enacted, this legislation would significantly alter existing practices in hiring across various industries in New York State. By barring the use of consumer credit scores as a criterion for employment, the bill aims to protect applicants from potential bias and discrimination. It addresses concerns that reliance on credit history often disadvantages those with poor credit due to circumstances beyond their control, such as medical debt or economic downturns. As a result, it could promote increased opportunities for individuals who may be qualified but have faced financial hardships.

Summary

Bill A09475 proposes to amend the general business law regarding the use of consumer credit history for employment decisions. Specifically, the bill prohibits employers, labor organizations, and employment agencies from using consumer credit information when making hiring or licensing determinations. The intent is to create a fairer employment landscape where applicants are evaluated based on their qualifications rather than potentially outdated or irrelevant credit histories. This aligns with ongoing national conversations about discrimination in hiring practices, especially against individuals who have faced financial difficulties.

Contention

Discussions surrounding A09475 have highlighted notable points of contention among lawmakers and advocacy groups. Proponents argue that the bill will help eliminate discrimination based on credit history, thereby fostering more inclusive hiring practices. However, some opponents express concerns about the potential for increased risk in certain sectors, suggesting that credit history can provide important insights into an individual's responsibility and reliability. This has initiated debates about the balance between fair hiring practices and the need for employers to make informed hiring decisions, particularly in sensitive positions that may involve significant financial responsibility.