As of April 18, 2026, New York State employers may no longer use consumer credit history when making hiring or employment decisions. By amending the State’s Fair Credit Reporting Act, New York became the eleventh state to restrict or prohibit an employer’s use of credit information, an emerging trend in jurisdictions across the country.
New York Governor Kathy Hochul signed Senate Bill S3072 into law on December 19, 2025. The approved bill amends Section 380 of New York’s General Business Law (also known as the New York Fair Credit Reporting Act) to substantially limit how employers may use credit information when making employment decisions for both prospective and current employees. The new law expands coverage within the state, as New York City employers have faced similar credit history restrictions since September 2015, when NYC’s Stop Credit Discrimination in Employment Act (“SCDEA”) went into effect.
Statutory Restrictions
At its core, the new law makes it unlawful for an employer, labor organization, employment agency, or its agent to:
Broad Coverage and “Consumer Credit History” Definition
The statute’s restrictions apply broadly regarding the persons it covers and the definition of “consumer credit history.”
Regarding coverage, the amendment is not...
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