Bill · S. 2798· Senate(119-S-2798)
Equal Employment for All Act of 2025
- Introduced
- 9/15/2025
- Last activity
- 9/15/2025 — Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- Sponsored by
- Elizabeth Warren
- Cosponsors
- - 10 - 0
- Introduced
- In Committee
What this bill would do
The ``Equal Employment for All Act of 2025'' seeks to amend the Fair Credit Reporting Act. It aims to prohibit employers from using consumer credit checks when making decisions about prospective or current employees. This includes a ban on using reports that contain information regarding a consumer's creditworthiness, credit standing, or credit capacity. The prohibition applies even if the consumer gives consent for the report to be used. However, specific exceptions are made for certain roles and legal requirements.
Yes· 3 of 10
Does this give people more protection from unfair business practices?+7
The bill protects consumers by prohibiting employers from using credit history to make employment decisions.
Would households on low incomes be better off under this?+6
The bill helps low-income individuals by preventing their credit history from being used against them in job searches.
Does this protect people from being watched or searched?+5
The bill enhances privacy by restricting the use of personal credit information in employment decisions.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
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Protection from Credit-Based Employment Decisions: A general prohibition is established so that a person, including a prospective or current employer, cannot use a consumer report to make decisions regarding a consumer's creditworthiness, credit standing, or credit capacity for employment purposes. (Section 2(a)(1))
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Prevention of Adverse Action Based on Credit: The bill prevents using these reports for making an adverse action against a consumer. (Section 2(a)(1))
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Protection Against Denials Based on Refusal to Consent: An employer may not deny employment to a consumer or make other employment decisions because the consumer did not authorize the procurement of a report. (Section 2(a)(4)(B)(ii))
Potential Negative Impacts for People
-
Exceptions for National Security: Employers are still allowed to use consumer reports for consumers who apply for or currently hold employment that requires national security clearance. (Section 2(a)(3)(A))
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Exceptions for Legal Requirements: An employer may still use a consumer report if it is otherwise required by law. (Section 2(a)(3)(B))
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Demographic And Interest Groups
- Good For Low Income Households+6Good For African Americans+4Good For Hispanic Americans+4Good For Young Adults+4Good For Middle Class Households+3Good For Women+2
- Economy And Finance
- Improves Consumer Protection+7
- Social Issues And Justice
- Improves Racial Equity+4Improves Poverty Reduction+3
- Governance And Ideology
- Improves Privacy Rights+5
- 9/30/2025
- 1 Cosponsor added.
- 9/15/2025
- Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- 10 Cosponsors added.
- Introduced in Senate
One bill Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.
Richard BlumenthalDemocrat · Connecticut
Cory BookerDemocrat · New Jersey
Richard DurbinDemocrat · Illinois
John FettermanDemocrat · Pennsylvania
Kirsten GillibrandDemocrat · New York
Mazie HironoDemocrat · Hawaii
Edward MarkeyDemocrat · Massachusetts
Christopher MurphyDemocrat · Connecticut
Jeff MerkleyDemocrat · Oregon
Bernie SandersIndependent · Vermont
Ron WydenDemocrat · Oregon