---
title: The State of New York Prohibits Credit Information in Employment Decisions
description: The newest employment background screening legislation is here. Credit checks are no longer allowed during employment decision making in New York State.
---

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# [The State of New York Prohibits Credit Information in Employment Decisions](https://www.choicescreening.com/blog/the-state-of-new-york-prohibits-credit-information-in-employment-decisions)

 Written by [Vanessa Mitchell](https://www.choicescreening.com/blog/author/vanessa-mitchell) | Wednesday, 4 March 2026

On April 18, 2026, the state of New York employers are prohibited from utilizing credit information in employment related decision-making (with a few exceptions). This new Senate Bill [S3072 ](https://www.nysenate.gov/legislation/bills/2025/S3072)mirrors what New York City has been doing for years in the [SCDEA Act or the Stop Credit Discrimination in Employment Act. ](https://www.nyc.gov/site/cchr/law/stop-credit-discrimination-employment-act.page)

 

**What is considered credit history?**

Any information related to the applicant or employee’s credit history and creditworthiness. That includes information gathered directly from the applicant/employee or gathered in a traditional manner like a credit check or a credit score.

Credit history information includes (but not limited to): missed and/or late payments, bankruptcies, liens, debts, judgments, collections, etc.

 

**What are the exceptions?**

An employer may use an applicant’s or employee’s credit history with the following exceptions: roles requiring clearance, specific roles in law enforcement, roles with access to trade secrets, roles with duties to modify digital security systems, roles requiring bonding, roles as required by the SEC, and roles that require public trust. This list is not all inclusive, please reference the [legislation](https://www.nysenate.gov/legislation/bills/2025/S3072) for a complete list.

 

If you haven’t evaluated your background screening products in a while, this is a good opportunity to. [Consult ](https://www.choicescreening.com/contact-choice-screening)with one of our expert account advisors today.

 

This blog is intended for Choice Screening's current or prospective clients and partners and may not be forwarded outside of Choice Screening, posted online, or otherwise reprinted in whole or in part. The information contained in this blog is meant to be informative only, it is not all encompassing, nor contains legal advice, expressed or implied. Consult with qualified legal counsel in all matters of employment, business, and background screening law.

[View full post](https://www.choicescreening.com/blog/the-state-of-new-york-prohibits-credit-information-in-employment-decisions)

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