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Bill

H 2119

An Act regulating the use of credit reports by employers

194th Legislature (2025-2026) Introduced by Ken Gordon

Massachusetts bill restricts employer use of credit reports in hiring except for positions directly requiring financial responsibility.

Accompanied a new draft, see H4450
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Bill Summary · H 2119

Legislative bill overview

H 2119 restricts Massachusetts employers' ability to use credit reports when making hiring, promotion, and retention decisions. The bill limits credit checks to specific positions where financial responsibility is directly relevant to job duties, such as roles handling cash, financial accounts, or sensitive information.

Why is this important

Credit-based hiring screenings disproportionately affect lower-income and marginalized workers, potentially creating barriers to employment for those recovering from financial hardship, medical debt, or other circumstances beyond job performance. This policy seeks to decouple creditworthiness from employment eligibility in most cases, focusing hiring decisions on actual job qualifications instead.

Potential points of contention

  • Business concerns: Employers argue credit checks help assess reliability and trustworthiness for positions involving financial responsibilities; limiting access may increase risk for certain roles
  • Scope definition: Defining which positions legitimately require credit checks could be contested—employers may push for broader exceptions than the bill allows
  • Enforceability: Questions about how violations would be detected and penalized, and whether penalties would effectively deter non-compliance

Compiled from official sources — confirm details with the bill’s official record.

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