IN SB0110

Prohibits employers from using consumer credit reports for employment decisions (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 using credit reports to provide written disclosure to applicants before obtaining the report and obtain written authorization from the consumer

Allows consumers to file civil lawsuits against employers who violate these restrictions, with potential awards of actual damages, punitive damages for willful violations, court costs, and attorney's fees

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

Establishes penalties of a Class B infraction for knowing or intentional violations, increasing to a Class A infraction for repeat offenders with prior judgments