OK HB2860

Establishes the "Employee Credit Privacy Act" prohibiting employers from using credit history or credit reports as a factor in hiring, firing, or employment decisions.

Exempts financial institutions (banks, credit unions, insurers), state/local law enforcement, debt collectors, and certain government agencies from the credit check restrictions.

Allows credit history inquiries only when it is a bona fide occupational requirement, including positions involving cash/asset custody ($2,500+), signatory power ($100+), management duties, or access to confidential/financial information.

Prohibits employees from waiving their rights under the act; any waiver agreement is invalid and unenforceable.

Provides civil remedies allowing injured parties to seek injunctive relief and/or damages in district court, with prevailing plaintiffs entitled to recover costs and reasonable attorney fees; effective November 1, 2012.