MA H3993

Prohibits employers from using credit history in employment decisions including hiring, firing, promotion, demotion, or compensation, and bars requesting or obtaining credit reports for such purposes

Exempts positions requiring financial oversight (access to funds, accounting, fiduciary duties), roles in regulated financial services industries, and positions involving classified or national security information

Requires employers using credit reports under the exemptions to provide written notice of reasons, a copy of the report with Fair Credit Reporting Act rights, and an opportunity to dispute inaccuracies before making final decisions

Mandates the commission and Executive Office of Labor and Workforce Development launch a public awareness campaign on employer and applicant rights under the new law

Requires annual reporting to the legislature by December 31 (beginning 2027) on complaints filed, violation patterns, and compliance recommendations; takes effect January 1, 2026