New York 2025-2026 Regular Session

New York Senate Bill S08789

Introduced
1/8/26  
Refer
1/8/26  
Engrossed
1/29/26  
Refer
1/29/26  
Engrossed
2/3/26  
Enrolled
2/13/26  
Chaptered
2/13/26  

Caption

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

Impact

The legislation is poised to significantly impact state employment law. By eliminating the ability for employers to check applicants' credit histories for employment-related decisions, S08789 aims to create a more equitable job market, where individuals are not penalized for past financial difficulties. This is particularly relevant in a state that has shown an increasing awareness of issues surrounding economic inequality and its ramifications on hiring practices. If enacted, the bill would likely lead to a reconsideration of hiring practices across various sectors and could result in greater opportunities for those traditionally evaluated unfavorably due to poor credit histories.

Summary

Bill S08789 proposes to amend New York's general business law by prohibiting the use of consumer credit history in hiring, employment, and licensing determinations. Specifically, it seeks to redefine the term 'employer' and clarify the restrictions businesses and organizations face when considering an applicant's credit history as part of their employment processes. This move signals a shift towards prioritizing candidates' skills and qualifications over their financial backgrounds, which may have disproportionately affected individuals seeking employment, particularly in lower-income demographics.

Conclusion

Ultimately, S08789 reflects a growing trend within labor policies that seek to dismantle structural barriers to employment. By focusing on qualifications over credit histories, New York is positioning itself as a leader in fair hiring practices. However, the challenge remains in balancing employer concerns regarding fraud and theft against the need for an inclusive workforce. The dialogues prompted by this bill will likely continue as both sides present their arguments in the broader context of workforce development and economic advancement.

Contention

Discussion surrounding S08789 has brought forth various points of contention, particularly between proponents of fair hiring practices and those advocating for employer rights. Supporters of the bill argue it is a necessary reform to eliminate barriers to employment that arise from individuals' credit histories, which many consider to be unrelated to job performance. Conversely, opponents posit that credit checks are a valid tool for assessing potential responsibility and reliability in candidates, especially for positions that require high levels of trust.

Companion Bills

NY A09475

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

Previously Filed As

NY A09475

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

NY A01316

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

NY S03072

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

NY A07194

Prohibits the use of student loan payment credit history checks to ascertain the payment status of a student loan of an applicant for employment.

NY S08227

Prohibits the use of student loan payment credit history checks to ascertain the payment status of a student loan of an applicant for employment.

NY HB242

Discrimination in Housing - Consumer Credit History

NY A09452

Relates to the prohibition of the use of employment promissory notes and other similar provisions; defines transferable credential; relates to the effectiveness of such provisions.

NY S08822

Relates to the prohibition of the use of employment promissory notes and other similar provisions; defines transferable credential; relates to the effectiveness of such provisions.

NY S04070

Enacts the "trapped at work act"; prohibits the use of employment promissory notes.

NY SB815

Occupational Licensing and Certification - Criminal History - Prohibited Disclosures

Similar Bills

No similar bills found.