Labor: fair employment practices; job applicant's credit history; prohibit an employer from inquiring about. Creates new act.

HB 4264, the "Job Applicant Credit Privacy Act," bans most employers in Michigan from using an applicant's credit history to make hiring decisions or asking about it during the recruitment process. It directly affects all job seekers and employers, except for specific roles in banking (state/nationally chartered banks, savings institutions, credit unions), licensed financial services, or casinos. The bill also prohibits employers from retaliating against applicants who oppose violations or participate in investigations, and bans any requirement for applicants to waive their rights under this law. Violators face civil lawsuits allowing for damages, injunctions, or attorney fees.