IN SB0220

Prohibits employers from using consumer credit reports for employment purposes (hiring, promotion, reassignment, retention) unless the position involves access to money, assets, or confidential information, or is a managerial, law enforcement, or government position

Requires employers who do use credit reports to provide written disclosure to the consumer before obtaining the report and obtain written authorization from the consumer

Allows consumers to bring civil actions against employers who violate these restrictions, with courts authorized to award actual damages, punitive damages for willful violations, court costs, and attorney's fees

Authorizes the Attorney General to bring actions to enjoin violations or recover damages on behalf of Indiana residents

Establishes penalties of Class B infraction for knowing or intentional violations, increasing to Class A infraction for employers with prior violations; effective date of July 1, 2011