ASSEMBLY, No. 3238






Sponsored by:

Assemblyman  RUBEN J. RAMOS, JR.

District 33 (Hudson)

Assemblywoman  CLEOPATRA G. TUCKER

District 28 (Essex)


District 15 (Mercer)


Co-Sponsored by:

Assemblywomen Wagner and Quijano






     Prohibits practice of requiring credit check as condition of employment.



     Substitute as adopted by the Assembly Labor Committee.





An Act concerning employer discrimination and supplementing Title 34 of the Revised Statutes.


     Be It Enacted by the Senate and General Assembly of the State of New Jersey:


     1.    No employer or employer’s agent, representative, or designee shall seek to obtain or require a current or prospective employee to provide or consent to the creation of a credit report that contains information about the current or prospective employee’s credit score, credit account balances, payment history, savings or checking account balances, or savings or checking account numbers as a condition of employment, unless the employer is required by law to obtain a credit report, or the employer reasonably believes that the employee has engaged in a specific activity that is financial in nature and constitutes a violation of law.


     2.    Nothing in section 1 of this act shall prevent a credit inquiry or employment action if credit history is an established bona fide occupational requirement of a particular position or employment classification. Credit history shall be considered a bona fide job qualification for any current or prospective employee being evaluated for a position that:

     a.     Is a managerial position which involves setting the financial direction or control of the business;

     b.    Involves access to customers’, employees’, or employers’ personal belongings or financial information, other than information customarily provided in a retail transaction;

     c.     Involves a fiduciary responsibility to the employer, including, but not limited to, the authority to issue payments, transfer money or enter into contracts or involves leases of real property;

     d.    Provides an expense account for travel; or

     e.     Is as a law enforcement officer for a law enforcement agency in this State.

     As used in this subsection, “law enforcement officer” means a person whose public duties include the power to act as an officer for the detection, apprehension, arrest and conviction of offenders against the laws of this State, and “law enforcement agency” means a department, division, bureau, commission, board or other authority of the State or of any political subdivision thereof which employs law enforcement officers.


     3.    An employer shall not require an individual to waive or limit any protection granted under this act as a condition of applying for or receiving an offer of employment. An agreement to waive any right or protection under this act is against the public policy of this State and is void and unenforceable.


     4.    A person shall not retaliate or discriminate against an individual because the individual has done or was about to do any of the following:

     a.     File a complaint under this act;

     b.    Testify, assist, or participate in an investigation, proceeding, or action concerning a violation of this act; or

     c.     Otherwise oppose a violation of this act.


     5.    Upon violation of any provision of this act, an aggrieved person may, in addition to any other available remedy, institute a civil action in a court of competent jurisdiction, within one year from the date of the alleged violation. In response to the action, the court may, as it deems appropriate, order or award any one or more of the following:

     a.     With respect to a prospective employee:

     (1)   injunctive relief;

     (2)   compensatory and consequential damages incurred by the prospective employee as a result of the violation, taking into consideration any failure to hire in connection with credit reports obtained in violation of this act; or

     (3)   reasonable attorneys’ fees and court costs.

     b.    With respect to a current or former employee:

     (1)   injunctive relief as it deems appropriate, including reinstatement of the employee to the same position held before the violation or the position the employee would have held but for the violation, as well as the reinstatement of full fringe benefits and seniority rights;

     (2)   compensatory and consequential damages incurred by the employee or former employee as a result of the violation, including compensation for lost wages, benefits and other remuneration; or

     (3)   reasonable attorneys’ fees and court costs.


     6.    Any employer who violates any provision of this act shall be subject to a civil penalty in an amount not to exceed $5,000 for the first violation and $10,000 for each subsequent violation, collectible by the Commissioner of Labor and Workforce Development in a summary proceeding pursuant to the “Penalty Enforcement Law of 1999,” P.L.1999, c.274 (C.2A:58-10 et seq.).


7.         This act shall take effect immediately.