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The Fair Chance in Employment Act will limit the use of credit reports in hiring decisions. The use of credit reports in employment decisions is harmful and unfair to workers for a number of reasons. First is the absurdity of the practice. Considering credit histories in hiring creates a vicious Catch-22 for job applicants. A…
Read More about Testimony on the 2023 Fair Chance in Employment Act
The bill HB23-1126 would prohibit the reporting of medical debt information by consumer reporting agencies (CRAs). It would also inform consumers about their rights by requiring debt collectors to notify consumers with medical debt that such debt can no longer be included on credit reports, with narrow exceptions. Medical debt information in consumer reports (also…
Even before the COVID-19 pandemic, Massachusetts’ renters were facing a crisis from the lack of safe and affordable housing for low and moderate-income (LMI) families. One of the most significant barriers for obtaining housing is the use of credit reports and credit scores. By some estimates, 90% of landlords use credit reports and scores. NCLC…
Testimony of Chi Chi Wu, National Consumer Law Center Before the U.S. House of Representatives Committee on Financial Services regarding “A Biased, Broken System: Examining Proposals to Overhaul Credit Reporting to Achieve Equity”
These bills protect workers from an unfair and harmful practice that threatens their ability to re-enter or remain in the workforce as they struggle back to normal in the wake of the COVID crisis–namely using credit reports to deny workers jobs or promotions, or even terminate them. The use of credit reports in employment decisions…
Testimony before the U.S. House of Representatives Committee on Financial Services Subcommitee on Oversight and Investigations
Read More about Testimony on Consumer Credit Reporting: Assessing Accuracy and Compliance